| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MILLIMAN AGENCY INC5 | 1 PENNSYLVANIA PLAZA 38TH FLOOR NEW YORK, NY 10119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $102K | — | $102K | 4.60% |
| THE MILLIMAN AGENCY INC5 | ATTN PAT HENDRICKSON 1301 5TH AVE, SUITE 3800 SEATTLE, WA 98101 | DELTA DENTAL OF MINNESOTA | $90K | — | $90K | 4.32% |
| THE MILLIMAN AGENCY INC5 | 1 PENNSYLVANIA PLAZA 38TH FLOOR NEW YORK, NY 10119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $86K | — | $86K | 9.99% |
| THE MILLIMAN AGENCY INC5 | 1 PENNSYLVANIA PLAZA 38TH FLOOR NEW YORK, NY 10119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 13.52% |
| THE MILLIMAN AGENCY INC5 | 1 PENNSYLVANIA PLAZA 38TH FLOOR NEW YORK, NY 10119 | UNUM INSURANCE COMPANY | $5K | — | $5K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LAND O'LAKES MCHP EIN 46-2631103 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $1.5M |
| DISCOVERY BENEFITS EIN 90-0058554 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $33K |
| RR DONNELLY EIN 36-1004130 COMMUNICATIONS | Participant communication Service code 38 | — | $18K |
| PITNEY BOWES EIN 47-0794215 POSTAL SERVICE | Other services Service code 49 | — | $12K |
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 | 5,848 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,848 | 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 | 4,575 | $53.4M |
| Dental | DELTA DENTAL OF MINNESOTA | 2,957 | $2.1M |
| Vision | VISION SERVICE PLAN | 3,465 | $444K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,530 | $3.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,530 | $2.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,530 | $2.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 579 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,530 | — |
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.