| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUPERIOR BENEFIT ADVISORS LLC5 | 7900 INTERNATAIONAL DR #990 BLOOMINGTON, MN 55425 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $54K | — | $54K | 15.05% |
| SEVENHILLS CLEVELAND LLC3 Filed as: SEVENHILLS CLEVELAND BENEFIT P | 7900 INTERNATIONAL DR STE 990 BLOOMINGTON, MN 55425 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $13K | $13K | 3.67% |
| SUPERIOR BENEFIT ADVISORS LLC3 | 3500 AMERICAN BLVD W, STE 450 BLOOMINGTON, MN 55431 | DELTA DENTAL OF MINNESOTA | $14K | — | $14K | 5.87% |
| SEVENHILLS CLEVELAND LLC3 Filed as: SEVENHILLS CLEVELAND LLC-BRIAN JENK | 7900 INTERNATAIONAL DR #990 MINNEAPOLIS, MN 55425 | DELTA DENTAL OF MINNESOTA | $9K | — | $9K | 4.04% |
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 | 329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 582 | $230K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $357K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $357K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $357K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $357K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.