No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE CO OF AMERICA EIN 22-1211670 NONE | Insurance services; Insurance mortality and expense charge; Accounting (including auditing); Investment management Service code 10 | — | $2.7M |
| BLUE CROSS BLUE SHIELD OF MINNESOTA EIN 41-0984460 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $324K |
| ALIGHT SOLUTIONS EIN 86-1849232 NONE | Participant communication; Copying and duplicating; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Direct payment from the plan; Other services Service code 13 | — | $295K |
| EXPRESS SCRIPTS, INC. EIN 27-3542089 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $256K |
| KPMG, LLP EIN 13-5565207 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $203K |
| GENERAL MILLS, INC. EIN 41-0274440 PLAN ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Participant communication; Plan Administrator; Direct payment from the plan; Employee (plan sponsor) Service code 14 | — | $74K |
| HESS MORGAN HOUSE, LLC EIN 56-2559267 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $37K |
| DELTA DENTAL OF MINNESOTA EIN 41-0952670 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $37K |
| CBIZ EIN 20-1128317 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $22K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Account maintenance fees; Trustee (bank, trust company, or similar financial institution); Custodial (securities); Direct payment from the plan Service code 19 | — | $15K |
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 | 5,395 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 1,341 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,341 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.