| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONE DIGITAL INSURANCE | 200 GALLERIA PARKWAY STE. 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF MINNESOTA | — | $8K | $8K | 4.05% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE. 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 7.54% |
| MELODIE GALE3 | 16703 RIVER RD. NORTH BRANCH, MN 55056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 4.71% |
| JACQUELINE M. WAGNILD3 | 7301 OHMS LANE STE. 210 MINNEAPOLIS, MN 55439 | THE HARTFORD | $3K | — | $3K | 4.97% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE. 1950 ATLANTA, GA 30339 | THE HARTFORD | $2K | — | $2K | 4.18% |
| JMW MARKETING INC.3 Filed as: JMW MARKETING, INC. | 12315 CHINCILLA COURT W. ROSEMOUNT, MN 55068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.56% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE. 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 2.99% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE. 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $490 | — | $490 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF MINNESOTA EIN 41-0984460 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Legal Service code 12 | — | $105K |
| BCBSMN | Other fees; Other commissions; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $75K |
| RELIANCE STANDARD LF INS. CO. EIN 36-0883760 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | PO BOX 82510 LINCOLN, NE 68501 | $2K |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MINNESOTA | 506 | $188K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 354 | $36K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 328 | $85K |
| Long-term disability | THE HARTFORD | 254 | $55K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MINNESOTA | 506 | $188K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 328 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.