| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N, STE. 300 MINNEAPOLIS, MN 55428 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $15K | $30K | 3.13% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 2.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N, STE. 300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $864 | $2K | 7.02% |
| THE HORTON GROUP3 | 5050 LINCOLN DRIVE, SUITE 450 EDINA, MN 55436 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.73% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUOP | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $560 | $4K | 15.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N, STE. 300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $596 | $2K | 8.83% |
| THE HORTON GROUP3 | 5050 LINCOLN DRIVE, SUITE 450 EDINA, MN 55436 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $844 | — | $844 | 3.73% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $653 | — | $653 | 6.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE MINNEAPOLIS, MN 55428 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $412 | — | $412 | 3.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $464 | $278 | $742 | 6.97% |
| THE HORTON GROUP3 | 5050 LINCOLN DRIVE, SUITE 450 EDINA, MN 55436 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $291 | — | $291 | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $734 | $194 | $928 | 9.51% |
| THE HORTON GROUP3 | 5050 LINCOLN DRIVE, SUITE 450 EDINA, MN 55436 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $242 | — | $242 | 2.48% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $735 | $71 | $806 | 22.58% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 197 | $962K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 197 | $962K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 95 | $11K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $52K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $51K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 132 | $61K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
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.