| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 MINNEAPOLIS, MN 55411 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $32K | — | $32K | 2.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | UNKNOWN MINNEAPOLIS, MN 55411 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $18K | $3K | $21K | 1.56% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | AETNA LIFE INSURANCE COMPANY | — | $71 | $71 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.89% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 450 EAST 96TH STREET, SUITE 275 INDIANAPOLIS, IN 46240 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 BLOOMINGTON, MN 55431 | EYEMED | $193 | — | $193 | 2.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED | $161 | — | $161 | 2.07% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 229 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 255 | $112K |
| Vision | EYEMED | 144 | $8K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 134 | $131K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 134 | $131K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 134 | $131K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 229 | $1.4M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 150 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.