| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 1447 LINCOLNSHIRE, IL 60069 | MINNESOTA LIFE INSURANCE COMPANY | $65K | $30K | $95K | 4.96% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SVCS | 220 SOUTH RIDGEWOOD DAYTONA BEACH, MN 32114 | MINNESOTA LIFE INSURANCE COMPANY | $31K | $0 | $31K | 1.62% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $15K | $15K | 0.76% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.74% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SVCS, INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.16% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SVCS, INC. | PO BOX 749140 ATLANTA, GA 30374 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $51 | $51 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 1447 LINCOLNSHIRE, IL 60069 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $48K | $0 | $48K | 7.87% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SVCS, INC. | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $9K | — | $9K | 1.50% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $30K | $7K | $38K | 7.97% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SVCS | 220 SOUTH RIDGEWOOD DAYTONA BEACH, MN 32114 | SECURIAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 2.64% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.73% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $34K | $7K | $41K | 8.82% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SVCS | 220 SOUTH RIDGEWOOD DAYTONA BEACH, MN 32114 | SECURIAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 2.93% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 1447 LINCOLNSHIRE, IL 60069 | SECURIAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.74% |
| AON CONSULTING INC3 Filed as: AON | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 2.32% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SVS, INC. | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $0 | $1K | 0.71% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | PO BOX 419623 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $8K | $0 | $8K | 4.96% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SVCS, INC. | PO BOX 749140 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | $0 | $4K | 2.39% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $1K | $1K | 0.86% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 10 LANIDEX CENTER WEST PARSIPPANY, NJ 07054 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $803 | $803 | 0.48% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF FLORIDA, INC. | 5900 NORTH ANDREWS LANE SUITE 401 FORT LAUDERDALE, FL 33309 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $251 | $251 | 0.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 200 EAST RANDOLPH STREET SUITE 900 CHICAGO, IL 60601 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $132 | $132 | 0.08% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN LONE STAR INS SER | 14285 MIDWAY ROAD SUITE 100 ADDISON, TX 75001 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $10 | $10 | 0.01% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 419623 BOSTON, MA 02241 | SECURIAN LIFE INSURANCE COMPANY | $14K | $2K | $16K | 10.44% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SVCS | 220 SOUTH RIDGEWOOD DAYTONA BEACH, MN 32114 | SECURIAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.53% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.72% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 1447 LINCOLNSHIRE, IL 60069 | MINNESOTA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 4.92% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SVCS | 220 SOUTH RIDGEWOOD DAYTONA BEACH, MN 32114 | MINNESOTA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.61% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $966 | $966 | 0.73% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SVCS, INC. | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $946 | — | $946 | 10.00% |
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 | 4,415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,027 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,710 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 1,394 | $4.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 598 | $167K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 5,254 | $608K |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 4,422 | $1.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,398 | $871K |
| Prescription drug(3 contracts, 2 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 1,394 | $4.8M |
| Other(9 contracts, 7 carriers) | SECURIAN LIFE INSURANCE COMPANY | 4,641 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,254 | — |
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.