| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 302 W SUPERIOR ST, STE 400 DULUTH, MN 55802 | MEDICA INSURANCE COMPANY | $18K | — | $18K | 4.00% |
| JOHNSON INSURANCE CONSULTANTS3 | 302 WEST SUPERIOR ST., #400 DULUTH, MN 55802 | DELTA DENTAL OF MINNESOTA | $470 | — | $470 | 1.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 50266 | DELTA DENTAL OF MINNESOTA | $462 | — | $462 | 0.99% |
| JOHNSON INSURANCE CONSULTANTS3 | 302 W. SUPERIOR STREET, STE 400 DULUTH, MN 55802 | USABLE LIFE | $196 | — | $196 | 10.05% |
| BENEUSA LLC3 | 261 SCHOOL AVE, STE 350 EXCELSIOR, MN 55331 | USABLE LIFE | $97 | — | $97 | 4.97% |
| JOHNSON INSURANCE CONSULTANTS3 | 302 W. SUPERIOR STREET, STE 400 DULUTH, MN 55802 | USABLE LIFE | $175 | — | $175 | 9.98% |
| BENEUSA LLC3 | 261 SCHOOL AVE, STE 350 EXCELSIOR, MN 55331 | USABLE LIFE | $87 | — | $87 | 4.96% |
| JOHNSON INSURANCE CONSULTANTS3 | 302 W. SUPERIOR STREET, STE 400 DULUTH, MN 55802 | USABLE LIFE | $172 | — | $172 | 10.01% |
| BENEUSA LLC3 | 261 SCHOOL AVE, STE 350 EXCELSIOR, MN 55331 | USABLE LIFE | $86 | — | $86 | 5.01% |
| JOHNSON INSURANCE CONSULTANTS3 | 302 W. SUPERIOR STREET, STE 400 DULUTH, MN 55802 | USABLE LIFE | $158 | — | $158 | 9.97% |
| BENEUSA LLC3 | 261 SCHOOL AVE, STE 350 EXCELSIOR, MN 55331 | USABLE LIFE | $79 | — | $79 | 4.98% |
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 | 62 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 62 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 122 | $912K |
| Dental | DELTA DENTAL OF MINNESOTA | 132 | $47K |
| Life insurance(4 contracts) | USABLE LIFE | 17 | $7K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 0 | $452K |
| Other(4 contracts) | USABLE LIFE | 17 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.