| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HALVORSON BENEFITS PLUS INC3 | P O BOX 2125 FARGO, ND 58107 | MEDICA INSURANCE COMPANY | $44K | — | $44K | 2.72% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 55441 | MEDICA INSURANCE COMPANY | $10K | — | $10K | 0.59% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | P O BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $4K | $22K | 20.50% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 55441 | METROPOLITAN LIFE INSURANCE COMPANY | — | $32 | $32 | 0.24% |
| HALVORSON BENEFITS PLUS INC3 | 3320 WESTRAC DR S STE D P O BOX 212 FARGO, ND 581032243 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 18.87% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $523 | $120 | $643 | 6.44% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | P O BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $523 | $523 | 5.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 554416400 | METROPOLITAN LIFE INSURANCE COMPANY | $208 | $32 | $240 | 2.41% |
| HALVORSON BENEFITS PLUS INC3 | 3320 WESTRAC DR S STE D P O BOX 212 FARGO, ND 581032243 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 18.62% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $491 | $109 | $600 | 6.25% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | P O BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $491 | $491 | 5.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 554416400 | METROPOLITAN LIFE INSURANCE COMPANY | $176 | $32 | $208 | 2.17% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 374 | $1.6M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 309 | $119K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 309 | $119K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 309 | $119K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 309 | $119K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 309 | $119K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 309 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.