No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE CO EIN 22-1211670 CONTRACT ADMINISTRATOR | Contract Administrator; Investment management Service code 13 | — | $750K |
| AON CONSULTING, INC. EIN 22-2232264 RECORDKEEPER | Recordkeeping fees Service code 64 | — | $537K |
| GENERAL MILLS, INC. EIN 41-0274440 PLAN ADMINISTRATOR | Account maintenance fees Service code 65 | — | $180K |
| HESS MORGAN HOUSE, LLC EIN 56-2559267 CONSULTANT | Consulting (general) Service code 16 | — | $27K |
| KPMG, LLP EIN 13-5565207 AUDITOR | Accounting (including auditing) Service code 10 | — | $20K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 TRUSTEE | Other investment fees and expenses; Other fees; Custodial (other than securities) Service code 18 | — | $17K |
| FINANCIAL FINESSE, INC. EIN 94-3333910 CONSULTANT | Consulting (general) Service code 16 | — | $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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,272 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS | 757 | $2.0M |
| Vision | HEALTHPARTNERS | 757 | $2.0M |
| Life insurance(4 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 3,346 | $2.4M |
| Prescription drug | HEALTHPARTNERS | 757 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,346 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.