| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEVEN HILLS PARTNERS, INC.3 | 345 ST PETER STREET 2040 LANDMARK TOWER ST PAUL, MN 55102 | STANDARD INSURANCE COMPANY | $36K | — | $36K | 17.88% |
| SEVEN HILLS PARTNERS, INC.3 | 345 ST PETER ST 2040 LANDMARK TOWER ST PAUL, MN 55102 | DDMN ASO, LLC | $4K | — | $4K | 5.03% |
| SEVEN HILLS PARTNERS, INC.3 | 345 ST PETER STREET 2040 LANDMARK TOWER ST PAUL, MN 55102 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 12.87% |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DDMN ASO, LLC | 220 | $85K |
| Life insurance | STANDARD INSURANCE COMPANY | 205 | $64K |
| Long-term disability | STANDARD INSURANCE COMPANY | 204 | $201K |
| Other | STANDARD INSURANCE COMPANY | 204 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.