| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MN HEALTH INSURANCE AGENCY LLC3 | 790 S PLAZA DR MENDOTA HEIGHTS, MN 55120 | BCBSM, INC. DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $50K | $4K | $54K | 4.91% |
| MINNESOTA HEALTH INSURANCE AGENCY3 | 790 S PLAZA DR STE 300 MENDOTA HEIGHTS, MN 55120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.99% |
| ENROLLEASE3 Filed as: HANRATTY & ASSOCIATES INC | 15350 25TH AVE N STE 114 PLYMOUTH, MN 55447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $332 | — | $332 | 0.78% |
| MINNESOTA HEALTH INSURANCE AGENCY3 | 790 S PLACE DR STE 300 MENDOTA HEIGHTS, MN 55120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ENROLLEASE3 Filed as: HANRATTY & ASSOCIATES INC | 15350 25TH AVE N STE 114 PLYMOUTH, MN 55447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $173 | — | $173 | 0.77% |
| MINNESOTA HEALTH INSURANCE AGENCY3 | 790 S PLAZA DR STE 300 MENDOTA HEIGHTS, MN 55120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.99% |
| ENROLLEASE3 Filed as: HANRATTY & ASSOCIATES INC | 15350 25TH AVE N STE 114 PLYMOUTH, MN 55447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $172 | — | $172 | 0.79% |
| MINNESOTA HEALTH INSURANCE AGENCY3 | 790 S PLAZA DR STE 300 MENDOTA HEIGHTS, MN 55120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $642 | — | $642 | 10.68% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSM, INC. DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 179 | $1.1M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 235 | $29K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 239 | $42K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 192 | $22K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 235 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.