| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEVEN HILLS PARTNERS, INC.3 | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55102 | BCBSMN, INC. | $46K | — | $46K | 2.34% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | BCBSMN, INC. | $33K | — | $33K | 1.66% |
| SEVEN HILLS PARTNERS, INC.3 | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | STANDARD INSURANCE COMPANY | $28K | — | $28K | 11.46% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 6.38% |
| SEVEN HILLS PARTNERS, INC.3 | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | DDMN ASO, LLC | $4K | — | $4K | 4.42% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | DDMN ASO, LLC | $778 | — | $778 | 0.97% |
| SEVEN HILLS PARTNERS, INC.3 | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 8.54% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.30% |
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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSMN, INC. | 238 | $2.0M |
| Dental | DDMN ASO, LLC | 238 | $80K |
| Life insurance | STANDARD INSURANCE COMPANY | 226 | $79K |
| Long-term disability | STANDARD INSURANCE COMPANY | 221 | $245K |
| Other | STANDARD INSURANCE COMPANY | 221 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.