| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREFERRED BENEFIT CONCEPTS, INC.3 Filed as: PREFERRED BENEFIT CONCEPTS | 8881 AZTEC DR EDEN PRAIRIE, MN 553471901 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 4.16% |
| PREFERRED BENEFIT CONCEPTS, INC.3 Filed as: PREFERRED BENEFIT CONCEPT | 8881 AZTEC DR EDEN PRAIRIE, MN 55347 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.28% |
| PREFERRED BENEFIT CONCEPTS, INC.3 Filed as: PREFERRED BENEFIT CONCEPT | 8881 AZTEC DR EDEN PRAIRIE, MN 55347 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 N BRAND BLVD STE 600 GLENDALE, CA 912033944 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $64 | $4K | 2.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.44% |
| PREFERRED BENEFIT CONCEPTS, INC.3 Filed as: PREFERRED BENEFITCONCEPT | 8881 AZTEC DR EDEN PRAIRIE, MN 55347 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 7.48% |
| PREFERRED BENEFIT CONCEPTS, INC.3 Filed as: PREFERRED BENEFIT CONCEPTS INC | 8881 AZTEC DR EDEN PRAIRIE, MN 55347 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.15% |
| BARTON, FENSTERMAKER, WING & ASSOC3 Filed as: BARTON FENSTERMAKER WING & ASSOCIAT | 4458 LEGENDARY DR SUITE 350 DESTIN, FL 325415416 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 8.98% |
| ROBERT REED3 | 259JOHN KNOX RD TALLAHASSE, FL 323036676 | HUMANA INSURANCE COMPANY | $105 | — | $105 | 0.80% |
| ACENTRIA INSURANCE3 Filed as: ACENTRIA INC | SUITE 350 4458 LEGENDARY DR DESTIN, FL 325415416 | HUMANA INSURANCE COMPANY | $103 | — | $103 | 0.79% |
| PREFERRED BENEFIT CONCEPTS, INC.3 Filed as: PREFERRED BENEFIT CONCEPT | 8881 AZTEC DR EDEN PRAIRIE, MN 55347 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $575 | — | $575 | 5.00% |
| NATIONAL VISION ADMINISTRATORS, L.L3 Filed as: NATIONAL VISION ADMINISTRATORS LLC | 1200 ROUTE WEST CLIFTON, NJ 07013 | NATIONAL VISION ADMINISTRATORS LLC | — | $2K | $2K | 23.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF MN EIN 41-0984460 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator Service code 12 | PO BOX 64560 ST PAUL, MN 551640560 | $221K |
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 | 732 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 611 | $383K |
| Vision(3 contracts, 3 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 438 | $49K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 819 | $197K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 630 | $194K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 542 | $62K |
| Stop-loss / reinsurancereinsurance | BCBSMN, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 740 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.