| 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 | $17K | $267 | $18K | 4.06% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 50266 | DELTA DENTAL OF MINNESOTA | $515 | — | $515 | 1.19% |
| RELIABLE AGENCY, INC.3 Filed as: RELIABLE AGENCY INC | 803 CARLTON AVENUE PO BOX 620 CLOQUET, MN 55720 | DELTA DENTAL OF MINNESOTA | $339 | — | $339 | 0.78% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 50266 | USABLE LIFE | $70 | — | $70 | 10.14% |
| BENEUSA LLC3 | 261 SCHOOL AVE, STE 350 EXCELSIOR, MN 55331 | USABLE LIFE | $35 | — | $35 | 5.07% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 50266 | USABLE LIFE | $64 | — | $64 | 9.54% |
| BENEUSA LLC3 | 261 SCHOOL AVE, STE 350 EXCELSIOR, MN 55331 | USABLE LIFE | $32 | — | $32 | 4.77% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 50266 | USABLE LIFE | $60 | — | $60 | 9.79% |
| BENEUSA LLC3 | 261 SCHOOL AVE, STE 350 EXCELSIOR, MN 55331 | USABLE LIFE | $30 | — | $30 | 4.89% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 50266 | USABLE LIFE | $55 | — | $55 | 10.15% |
| BENEUSA LLC3 | 261 SCHOOL AVE, STE 350 EXCELSIOR, MN 55331 | USABLE LIFE | $27 | — | $27 | 4.98% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 50266 | USABLE LIFE | $27 | — | $27 | 10.07% |
| BENEUSA LLC3 | 261 SCHOOL AVE, STE 350 EXELSIOR, MN 55331 | USABLE LIFE | $14 | — | $14 | 5.22% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 50266 | USABLE LIFE | $25 | — | $25 | 9.51% |
| BENEUSA LLC3 | 261 SCHOOL AVE, STE 350 EXCELSIOR, MN 55331 | USABLE LIFE | $13 | — | $13 | 4.94% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 50266 | USABLE LIFE | $23 | — | $23 | 9.66% |
| BENEUSA LLC3 | 261 SCHOOL AVE, STE 350 EXCELSIOR, MN 55331 | USABLE LIFE | $12 | — | $12 | 5.04% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 50266 | USABLE LIFE | $22 | — | $22 | 9.87% |
| BENEUSA LLC3 | 261 SCHOOL AVE, STE 350 EXCELSIOR, MN 55331 | USABLE LIFE | $11 | — | $11 | 4.93% |
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 | 61 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 63 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 0 | $437K |
| Dental | DELTA DENTAL OF MINNESOTA | 114 | $43K |
| Short-term disability(4 contracts) | USABLE LIFE | 16 | $3K |
| Other(4 contracts) | USABLE LIFE | 16 | $992 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.