| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 STE 1650 ATLANTA, GA 30339 | MEDICA INSURANCE COMPANY | $18K | $925 | $19K | 2.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 6160 GOLDEN HILLS MINNEAPOLIS, MN 55416 | MEDICA INSURANCE COMPANY | $15K | $925 | $15K | 1.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 8000 NORMAN CENTER DR STE 400 BLOOMINGTON, MN 554371180 | MEDICA INSURANCE COMPANY | $3K | $925 | $4K | 0.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MASH& MCLENNAN | 7225 NORTHLAND DRIVE SUITE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 4.64% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 STE 1650 ATLANTA, GA 33039 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 4.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | DELTA DENTAL OF MINNESOTA | $1K | — | $1K | 1.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE SUITE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 4.64% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 STE 1650 ATLANTA, GA 30339 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 4.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | DELTA DENTAL OF MINNESOTA | $1K | — | $1K | 1.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 8000 NORMAN CENTER DRIVE SUITE 400 BLOOMINGTON, MN 55437 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.55% |
| DIGITAL INSURANCE LLC3 | 2860 VICKSBURG LANE N PLYMOUTH, MN 55447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.45% |
| ELIZABETH SCHENK3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 STE 1650 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 7.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 7225 NORTHLAND DRIVE SUITE 300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $928 | — | $928 | 5.44% |
| ELIZBETH SCHENK3 | 475 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $682 | $682 | 4.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 8000 NORMAN CENTER DRIVE SUITE 400 BLOOMINGTON, MN 55437 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $365 | — | $365 | 2.14% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 STE 1650 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $714 | — | $714 | 7.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 7225 NORTHLAND DR SUITE 300 MINNEAPOLI, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $522 | — | $522 | 5.50% |
| ELIZABETH SCHENK3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $380 | — | $380 | 4.00% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE SUITE 400 BLOOMINGTON, MN 55437 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $188 | — | $188 | 1.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 STE 1650 ATLANTA, GA 30339 | EYEMED | $267 | — | $267 | 4.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF - MARSH & MCLENNAN AGENCY | 7225 NORTHLAND DRIVE MINNEAPOLIS, MN 55428 | EYEMED | $193 | — | $193 | 3.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | PO BOX 203373 DALLAS, TX 75320 | EYEMED | $49 | — | $49 | 0.79% |
| ELIZABETH SCHENK3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $13 | $13 | 3.93% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 156 | $884K |
| Dental(2 contracts) | DELTA DENTAL OF MINNESOTA | 94 | $138K |
| Vision | EYEMED | 79 | $6K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 217 | $9K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 60 | $32K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 217 | $17K |
| Prescription drug | MEDICA INSURANCE COMPANY | 156 | $884K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 217 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.