| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MILLIMAN AGENCY INC5 Filed as: THE MILLIMAN AGENCY, INC. | 1301 5TH AVE SUITE 3800 SEATTLE, WA 98101 | DELTA DENTAL OF MINNESOTA | $113K | — | $113K | 3.99% |
| THE MILLIMAN AGENCY INC5 | 1301 5TH AVE SUITE 3800 SEATTLE, WA 98104 | UNUM LIFE INSURANCE OF AMERICA | $152K | — | $152K | 5.45% |
| THE MILLIMAN AGENCY INC5 | 1301 5TH AVE SUITE 3800 SEATTLE, WA 98104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $115K | — | $115K | 10.86% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | — | $52K | 13.66% |
| THE MILLIMAN AGENCY INC5 | 1301 5TH AVE SUITE 3800 SEATTLE, WA 98104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 1.78% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 10087 | UNUM INSURANCE COMPANY | $23K | — | $23K | 9.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LAND O'LAKES MCHP EIN 46-2631103 PLAN ADMINISTRATOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $1.1M |
| MILLIMAN EIN 91-0675641 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance brokerage commissions and fees Service code 15 | — | $471K |
| WEX HEALTH INC. EIN 06-1593514 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $35K |
| RR DONNELLY EIN 36-1004130 NONE | Direct payment from the plan; Participant communication Service code 38 | — | $16K |
| PITNEY BOWES EIN 47-0794215 NONE | Direct payment from the plan; Other services Service code 49 | — | $14K |
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 | 5,730 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSMN, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 4,037 | $68.2M |
| Dental | DELTA DENTAL OF MINNESOTA | 3,710 | $2.8M |
| Vision | VISION SERVICE PLAN | 3,426 | $441K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE OF AMERICA | 6,499 | $3.9M |
| Short-term disability | UNUM LIFE INSURANCE OF AMERICA | 6,499 | $2.8M |
| Long-term disability | UNUM LIFE INSURANCE OF AMERICA | 6,499 | $2.8M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,849 | $614K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,499 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.