| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KOCHER INSURANCE GROUP, INC.3 | 1165 N CLARK ST. STE. 7 CHICAGO, IL 60610 | RELIASTAR LIFE INSURANCE COMPANY | $5K | $5K | $9K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILSON MCSHANE CORPORATION EIN 41-0956552 NONE | Other services; Copying and duplicating; Contract Administrator Service code 13 | — | $3.7M |
| BLUECROSS BLUESHIELD OF MN EIN 41-0984460 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator Service code 12 | — | $3.7M |
| TEAM EIN 81-4050818 NONE | Other services Service code 49 | — | $1.3M |
| THE SEGAL COMPANY INC EIN 13-1975125 NONE | Actuarial Service code 11 | — | $497K |
| HEALTH GAUGE EIN 81-0612266 NONE | Other services Service code 49 | — | $436K |
| DDMN ASO LLC EIN 41-1852523 NONE | Claims processing Service code 12 | — | $326K |
| UBS FINANCIAL SERVICES, INC. EIN 13-2638166 NONE | Soft dollars commissions; Investment advisory (plan); Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $310K |
| REINHART EIN 39-1126909 NONE | Legal Service code 29 | — | $214K |
| UNION FIRST LASER TECHNOLOGIES NONE | Copying and duplicating Service code 36 | 365 OAK STREET SOUTH WEST SALEM, WI 54669 | $91K |
| ANDREW, BRANSKY, & POOLE EIN 41-1502219 NONE | Legal Service code 29 | — | $77K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $37K |
| BMO HARRIS BANK EIN 36-2085229 NONE | Custodial (other than securities) Service code 18 | — | $36K |
| HONSA-BINDER PRINTING INC EIN 41-1605232 NONE | Copying and duplicating Service code 36 | — | $20K |
| SOMMERS & FAHRENBACH EIN 36-1796440 NONE | Copying and duplicating Service code 36 | — | $6K |
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 | 10,720 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,473 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 14,193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE | 4,641 | $3.4M |
| Dental | DELTA DENTAL OF MINNESOTA | 3,380 | $1.9M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 11,487 | $186K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 11,487 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,487 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.