No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STEPHEN DOUGLAS EIN 20-5219496 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $58K |
| WILLISTOWERSWATSON NONE | Contract Administrator Service code 13 | 800 N GLEBE RD STE 1000 ARLINGTON, VA 222032150 | $54K |
| BAKER TILLY US, LLP EIN 39-0859910 NONE | Accounting (including auditing); Actuarial; Other fees Service code 10 | — | $27K |
| US BANK NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 80 S. 8TH ST. STE. 224 MINNEAPOLIS, MN 55402 | $12K |
| BUSINESSOLVER.COM NONE | Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 15 | 1025 ASWORTH RD. STE. 101 WEST DES MOINES, IA 50265 | $10K |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 571 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 36 | $540K |
| Other | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 387 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.