| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 WATERFORD PARK, HIGHWAY 169 SUITE 1100 PLYMOUTH, MN 55441 | METROPOLITAN LIFE INSURANCE COMPANY | $84K | $60 | $84K | 16.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 HIGHWAY 169 N STE 100 PLYMOUTH, MN 55441 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE COMPANY | $60K | $0 | $60K | 13.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN) INC | 9655 SCHMIDT LAKE RD PLYMOUTH, MN 55442 | RELIASTAR LIFE INSURANCE COMPANY | $39K | $0 | $39K | 20.35% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 8081 KINGSTON PIKE KNOXVILLE, TN 37919 | RELIASTAR LIFE INSURANCE COMPANY | $17K | $10K | $26K | 13.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN) INC | 505 WATERFORD PARK, HWY 169 SUITE 1100 PLYMOUTH, MN 55441 | DELTA DENTAL OF MINNESOTA | $2K | $0 | $2K | 10.08% |
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 | 2,629 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,627 | $456K |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,627 | $475K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,627 | $456K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,629 | $506K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,629 | $506K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,629 | $506K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,629 | $696K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,629 | — |
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.