| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 1600 UTICA AVE S SUITE 600 ST LOUIS PARK, MN 55416 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | $49K | — | $49K | 2.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 1600 UTICA AVE S SUITE 600 ST LOUIS PARK, MN 55416 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $3K | $17K | 10.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | PO BOX 93076 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $10K | 11.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 93076 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $3K | — | $3K | 10.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | PO BOX 93076 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $342 | $2K | 12.08% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 227 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 780 | $153K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | 391 | $26K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 272 | $100K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 272 | $85K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 272 | $85K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 227 | $1.7M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 272 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 780 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.