| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 505 BROADWAY STE 100 FARGO, ND 58102 | SANFORD HEALTH PLAN | $7K | $0 | $7K | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 505 BROADWAY STE 100 FARGO, ND 58102 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 7.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 505 BROADWAY STE 100 FARGO, ND 58102 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 21.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 554281516 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $645 | $0 | $645 | 8.21% |
| HANSON, MARC3 | 1006 7TH AVE SE BARNESVILLE, MN 56514 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $534 | $0 | $534 | 6.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 554281516 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $314 | $0 | $314 | 5.81% |
| HANSON, MARC3 | 1006 7TH AVE SE BARNESVILLE, MN 56514 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $281 | $0 | $281 | 5.20% |
| HANSON, MARC3 | 1006 7TH AVE SE BARNESVILLE, MN 56514 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $43 | $0 | $43 | 7.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 554281516 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16 | $0 | $16 | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 554281516 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10 | $0 | $10 | 8.26% |
| HANSON, MARC3 | 1006 7TH AVE SE BARNESVILLE, MN 56514 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9 | $0 | $9 | 7.44% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 154 | $1.4M |
| Dental | STANDARD INSURANCE COMPANY | 116 | $35K |
| Vision | STANDARD INSURANCE COMPANY | 111 | $9K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 155 | $6K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 155 | $8K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 155 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.