| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR. MINNEAPOLIS, MN 55416 | MEDICA INSURANCE COMPANY | $14K | $389 | $15K | 1.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. MINNEAPOLIS | 8200 TOWER SUITE 1100 MINNEAPOLIS, MN 554371024 | MEDICA INSURANCE COMPANY | $10K | $389 | $11K | 1.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N SUITE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF MINNESOTA | $5K | — | $5K | 5.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | DELTA DENTAL OF MINNESOTA | $4K | — | $4K | 4.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE NORTH STE 300 MINNEAPOLIS, MN 55428 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 8.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY, INC. | 29848 NETWORK PL. CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $5K | $4 | $5K | 6.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST., SUITE 800 WORCHESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 2.69% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $57 | $57 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N SUITE 300 MINNEAPOLIS, MN 55428 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $313 | — | $313 | 6.19% |
| AON CONSULTING INC3 Filed as: AON HEWITT-MINNEAPOLIS MN | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $204 | — | $204 | 4.03% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 175 | $995K |
| Dental | DELTA DENTAL OF MINNESOTA | 177 | $90K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 103 | $5K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 233 | $81K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 233 | $81K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 233 | $81K |
| Other(2 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 233 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.