| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAGUIRE AGENCY INC3 Filed as: MAGUIRE AGENCY | 1970 OAKCREST AVENUE SUITE 300 ROSEVILLE, MN 55113 | HEALTHPARTNERS, INC | — | $37K | $37K | 3.78% |
| MAGUIRE AGENCY INC3 | 1970 OAKCREST AVENUE SUITE 300 ROSEVILLE, MN 55113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $3K | 9.00% |
| MAGUIRE AGENCY INC3 | SUITE300 1970 OAKCREST AVENUE ROSEVILLE, MN 55113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 9.00% |
| MAGUIRE AGENCY INC3 | 1970 OAKCREST AVENUE SUITE300 ROSEVILLE, MN 55113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.76% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $2K | 9.00% |
| MAGUIRE AGENCY INC3 | 1970 OAKCREST AVENUE SUITE 300 ROSEVILLE, MN 55113 | STARMOUNT LIFE INSURANCE COMPANY | $982 | — | $982 | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $491 | $393 | $884 | 9.00% |
| MAGUIRE AGENCY INC3 | 1970 OAKCREST AVENUE SUITE 300 ROSEVILLE, MN 55113 | UNUM INSURANCE COMPANY | $333 | — | $333 | 5.78% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $238 | — | $238 | 4.13% |
| MAGUIRE AGENCY INC3 | 1970 OAKCREST AVENUE SUITE 300 ROSEVILLE, MN 55113 | UNUM INSURANCE COMPANY | $942 | — | $942 | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $235 | — | $235 | 4.99% |
| MAGUIRE AGENCY INC3 | 1970 OAKCREST AVENUE SUITE 300 ROSEVILLE, MN 55113 | UNUM INSURANCE COMPANY | $836 | — | $836 | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $210 | — | $210 | 5.02% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS, INC | 179 | $969K |
| Dental | HEALTHPARTNERS, INC | 179 | $969K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 102 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $38K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 60 | $32K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $38K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.