| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JULIA BERTRAND3 | 80 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | HEALTH PARTNERS INSURANCE COMPANY | $8K | — | $8K | 1.42% |
| JULIA BERTRAND3 | 80 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | HEALTH PARTNERS INSURANCE COMPANY | — | $5K | $5K | 0.91% |
| THOMAS S CONNOR3 Filed as: THOMAS CONNER | 750 WARRENVILLE RD SUITE 400 LISLE, IL 60532 | HEALTH PARTNERS INSURANCE COMPANY | $3K | — | $3K | 0.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER INS SERVICES | 750 WARRENVILLE RD SUITE 400 LISLE, IL 60532 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 9.69% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH ST IDS CENTER SUITE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $1K | $239 | $2K | 6.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SERVICES | 750 WARRENVILLE ROAD SUITE 400 LISLE, IL 60523 | EYEMED VISION CARE | $195 | — | $195 | 5.63% |
| HAYS COMPANIES, INC.3 Filed as: HAY COMPANIES | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | EYEMED VISION CARE | $129 | — | $129 | 3.72% |
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 | 97 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PARTNERS INSURANCE COMPANY | 263 | $581K |
| Dental | HEALTH PARTNERS INSURANCE COMPANY | 263 | $581K |
| Vision | EYEMED VISION CARE | 75 | $3K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 97 | $24K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 97 | $24K |
| Other | HARTFORD LIFE AND ACCIDENT | 97 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.