| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRAZIER,GENEVIEVE MAGUIRE3 | AGENCY 1970 OAKCREST AVENUE SUITE 300 ROSEVILLE, MN 55113 | HEALTHPARTNERS INC | — | $36K | $36K | 4.08% |
| FRAZIER,GENEVIEVE MAGUIRE3 | AGENCY 1970 OAKCREST AVENUE SUITE 300 ROSEVILLE, MN 55113 | HEALTHPARTNERS INC | — | $46 | $46 | 0.01% |
| MAGUIRE AGCY INC3 | PO BOX 64316 SAINT PAUL, MN 55164 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 11.04% |
| MAGUIRE AGENCY INC3 Filed as: MAGUIRE BENEFITS LLC | 1970 OAKCREST AVENUE SUITE 300 SAINT PAUL, MN 55113 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 5.09% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INC | 117 | $884K |
| Dental(2 contracts, 2 carriers) | HEALTHPARTNERS INC | 236 | $968K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 236 | $84K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 137 | $89K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 137 | $89K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 137 | $89K |
| Other(2 contracts, 2 carriers) | HEALTHPARTNERS INC | 137 | $973K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.