| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED BEN. AND RISK CONSULTING3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | BCBSMN, INC. DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $88K | — | $88K | 2.50% |
| MICHAEL YURCZYK3 Filed as: MICHAEL MERLE ERPELDING | 5201 EDEN AVE STE 200 EDINA, MN 55436 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 3.30% |
| LISA ANN SCAMEHORN3 | 2600 EAGAN WOODS DRIVE, STE. 140 EAGAN, MN 55121 | NORTHWESTERN MUTUAL | $3K | $792 | $4K | 2.38% |
| HELLYER GROUP LLC3 | 1191 NORTHLAND DR STE 150 MENDOTA HEIGHTS, MN 55120 | NORTHWESTERN MUTUAL | $1K | $162 | $2K | 0.99% |
| MICHAEL YURCZYK3 Filed as: MICHAEL MERLE ERPELDING | 5201 EDEN AVE STE 200 EDINA, MN 55436 | NORTHWESTERN MUTUAL | $2K | $533 | $2K | 5.42% |
| LISA ANN SCAMEHORN3 | 2600 EAGAN WOODS DRIVE, STE. 140 EAGAN, MN 55121 | NORTHWESTERN MUTUAL | $1K | $337 | $2K | 4.33% |
| HELLYER GROUP LLC3 | 1191 NORTHLAND DR STE 150 MENDOTA HEIGHTS, MN 55120 | NORTHWESTERN MUTUAL | $585 | $70 | $655 | 1.68% |
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 | 699 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 702 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSMN, INC. DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 907 | $3.5M |
| Life insurance | NORTHWESTERN MUTUAL | 699 | $39K |
| Long-term disability | NORTHWESTERN MUTUAL | 699 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 907 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.