| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6160 GOLDEN HILLS DRIVE GOLDEN VALLEY, MN 55416 | STANDARD INSURANCE COMPANY | $211K | $42K | $254K | 22.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | $10K | $0 | $10K | 9.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24025 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $2K | $0 | $2K | 2.97% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH AND MCLENNAN AGENCY | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $7K | — | $7K | 21.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $265 | — | $265 | 19.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6160 GOLDEN HILLS DRIVE GOLDEN VALLEY, MN 55416 | FEDERAL INSURANCE COMPANY | $199 | $0 | $199 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $162 | $0 | $162 | 14.92% |
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 | 1,627 | 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) | 1,627 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 5 | $52K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | 1,716 | $112K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,627 | $1.1M |
| Short-term disability | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 6 | $1K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,627 | $1.1M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 1,627 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,716 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.