| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES LENCY CLAIRMONT | 601 CARLSON PARKWAY STE 1050 MINNETONKA, MN 55305 | HEALTHPARTNERS INSURANCE COMPANY | $47K | — | $47K | 5.00% |
| JAMES LENCY CLAIRMONT3 | 601 CARLSON PARKWAY STE 1050 MINNETONKA, MN 55305 | HEALTHPARTNERS INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| JONATHAN SIMMONS | 601 CARLSON PARKWAY STE 1050 MINNETONKA, MN 55305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 15.00% |
| JAMES LENCY CLAIRMONT3 | 601 CARLSON PARKWAY STE 1050 MINNETONKA, MN 55305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAMES LENCY CLAIRMONT | Insurance brokerage commissions and fees Service code 53 | 601 CARLSON PARKWAY STE 1050 MINNETONKA, MN 55305 | $59K |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 108 | $943K |
| Dental | HEALTHPARTNERS INSURANCE COMPANY | 130 | $120K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15 | $93K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15 | $93K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15 | $93K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.