| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (MN) | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | HEALTHPARTNERS INSURANCE COMPANY | $63K | $6K | $69K | 4.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (MN) | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 17.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (MN) | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $759 | $3K | 19.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (MN) | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (MN) | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $615 | $3K | 19.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (MN) | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $161 | — | $161 | 4.05% |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHPARTNERS INSURANCE COMPANY | 398 | $1.5M |
| Dental | HEALTHPARTNERS INSURANCE COMPANY | 398 | $1.4M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $30K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 91 | $42K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 91 | $42K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.