| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRAUS-ANDERSON INSURANCE3 Filed as: KRAUS ANDERSON INSURANCE AGENCY | — | BLUECROSS AND BLUESHIELD OF MINNESOTA | $20K | — | $20K | 2.54% |
| OSBORNE PROPERTIES LTD PTNRSHP3 Filed as: OSBORNE PROPERTIES LP DBA KRAUS-AND | — | BLUECROSS AND BLUESHIELD OF MINNESOTA | $4K | — | $4K | 0.46% |
| KRAUS-ANDERSON INSURANCE3 Filed as: KRAUS-ANDERSON INSURANCE AGENCY | 420 GATEWAY BLVD BURNSVILLE, MN 55337 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.31% |
| OSBORNE PROPERTIES LIMITED PARTNERS3 | 420 GATEWAY BLVD BURNSVILLE, MN 55337 | PRINCIPAL LIFE INSURANCE COMPANY | $422 | $1K | $1K | 3.16% |
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 | 74 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 94 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF MINNESOTA | 72 | $800K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 105 | $47K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 105 | $47K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 105 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.