| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N, STE 300 MINNEAPOLIS, MN 55428 | HEALTHPARTNERS | $34K | $8 | $34K | 2.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 7225 NORTHLAND DR N, STE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF MINNESOTA | $17K | — | $17K | 10.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 13.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE PARK 80 W PLAZA TWO SADDLE BROOK, NJ 07663 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF, A MARSH & MCLENNAN AGENCY LLC | 7225 NORTHLAND DR N, STE 300 MINNEAPOLIS, MN 55428 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.48% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS | 204 | $1.6M |
| Dental | DELTA DENTAL OF MINNESOTA | 200 | $154K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 267 | $10K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 251 | $129K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 251 | $129K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 251 | $129K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 251 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.