| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE SUITE 1446 LOCKBOX 1446 CHICAGO, IL 606751446 | MINNESOTA LIFE INSURANCE COMPANY | $10K | — | $10K | 1.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIAZON NONE | Contract Administrator; Direct payment from the plan Service code 13 | 11 EAST 44TH STREET, SUITE 600 NEW YORK, NY 10017 | $2.0M |
| TOWERS WATSON EIN 23-1159360 NONE | Direct payment from the plan; Consulting (pension); Actuarial Service code 11 | — | $727K |
| HIGHMARK EIN 23-1294723 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $177K |
| LIBERTY MUTUAL EIN 04-6076039 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $130K |
| AMERICAN BENEFITS AND COMPENSATION EIN 13-3556882 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $65K |
| REDBRICK HEALTH NONE | Contract Administrator; Direct payment from the plan Service code 13 | 510 MARQUETTE AVENUE SUITE 500 MINNEAPOLIS, MN 55402 | $34K |
| SCHNEIDER DOWNS EIN 25-1408703 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $27K |
| UNITED HEALTHCARE EIN 36-3377945 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $22K |
| XEROX HR SOLUTIONS, LLC EIN 16-0468020 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $18K |
| BDO USA, LLP NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 330 NORTH WABASH AVENUE, SUITE 3200 CHICAGO, IL 60611 | $18K |
| PNC BANK, N.A. EIN 25-1211909 NONE | Other services; Direct payment from the plan Service code 49 | — | $13K |
| SUMMIT HEALTH NONE | Direct payment from the plan; Contract Administrator Service code 13 | 27175 HAGGERTY ROAD NOVI, MI 48377 | $7K |
| CONEXIS EIN 20-0198855 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $6K |
| CAREMARK EIN 05-0479173 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $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 | 2,485 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 52 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIMNSA | 631 | $1.1M |
| Dental | SIMNSA | 631 | $1.1M |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 5,050 | $507K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,219 | $544K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,050 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.