| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | $24K | $0 | $24K | 1.72% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 412703 BOSTON, MA 02241 | THE STANDARD | $11K | $872 | $11K | 15.02% |
| MACARIO CORPORATION3 | 25900 AUTUMN WAY ROGERS, MN 55374 | THE STANDARD | $0 | $1K | $1K | 1.39% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 412703 STE 601 BOSTON, MA 02241 | THE STANDARD | $3K | $577 | $3K | 17.90% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 412703 BOSTON, MA 02241 | VISION SERVICE PLAN | $2K | $355 | $3K | 16.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 25900 AUTUMN WAY ROGERS, MN 55374 | VISION SERVICE PLAN | $0 | $223 | $223 | 1.39% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 95 | $1.4M |
| Dental | THE STANDARD | 114 | $76K |
| Vision | VISION SERVICE PLAN | 85 | $16K |
| Life insurance | THE STANDARD | 127 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.