| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | DDMN ASO, LLC | $6K | — | $6K | 2.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | DDMN ASO, LLC | $6K | — | $6K | 2.11% |
| SEVENHILLS BENEFIT PARTNERS3 | 7900 INTERNATIONAL SUITE 990 BLOOMINGTON, MN 55425 | MINNESOTA LIFE INSURANCE COMPANY | $20K | — | $20K | 10.78% |
| SEVENHILLS BENEFIT PARTNERS3 | 7900 INTERNATIONAL DRIVE SUITE 900 BLOOMINGTON, MN 55425 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 15.36% |
| SEVENHILLS BENEFIT PARTNERS3 | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 8.99% |
| SEVENHILLS BENEFIT PARTNERS3 | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 24.07% |
| SEVENHILLS BENEFIT PARTNERS3 | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $501 | — | $501 | 8.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DDMN ASO, LLC EIN 41-1905554 N/A | Claims processing Service code 12 | — | $0 |
| PREFERREDONE ADMINISTRATIVE SERVICE EIN 41-1846481 RECORDKEEPER | Claims processing Service code 12 | — | $0 |
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 | 561 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DDMN ASO, LLC | 745 | $279K |
| Life insurance(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 805 | $240K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 345 | $51K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 515 | $87K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 561 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 805 | — |
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.