See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 7 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 6 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| 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 | Participant communication; Direct payment from the plan Service code 38 | — | $16K |
| PITNEY BOWES EIN 47-0794215 NONE | Other services; Direct payment from the plan 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 plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Multiple-employer welfare arrangement. It has its own regulatory and compliance rules.