| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORGAN PLANNING GROUP LLC3 | 1613 SOUTHCROSS DRIVE W BURNSVILLE, MN 55306 | SUN LIFE ASSURANCE COMPANY OF CANADA | $369K | $113K | $482K | 13.37% |
| MORGAN PLANNING GROUP LLC3 | 1613 SOUTHCROSS DRIVE W BURNSVILLE, MN 55306 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $23K | $24K | 2.11% |
| MORGAN PLANNING GROUP LLC3 | 1613 SOUTHCROSS DRIVE W BURNSVILLE, MN 55306 | SUN LIFE ASSURANCE COMPANY OF CANADA | $40K | $17K | $57K | 16.66% |
| MORGAN PLANNING GROUP LLC3 | 1613 SOUTHCROSS DRIVE W BURNSVILLE, MN 55306 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $31 | $31 | 0.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $797K |
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 | 1,787 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,787 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,362 | $1.1M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,362 | $1.1M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,787 | $3.6M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,787 | $3.6M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,787 | $3.6M |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 3,461 | $1.9M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,787 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,461 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.