| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | ONE WACHOVIA CENTER 301 SOUTH COLLEGE STREET 19TH FLOOR CHARLOTTE, NC 28202 | BCBSMN, INC D.B.A BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $23K | — | $23K | 2.79% |
| THUNE INSURANCE NETWORK3 Filed as: THUNE INSURANCE NETWORK DBA THUNE | 1511 HIGHWAY 59 SOUTH PO BOX 59 THIEF RIVER FALLS, MN 56701 | BCBSMN, INC D.B.A BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $3K | — | $3K | 0.40% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 203312 DALLAS, TN 75320 | DELTA DENTAL OF MINNESOTA | $7K | — | $7K | 8.47% |
| PROTECTIVE FINANCIAL SOLUTIONS INC3 | 32412 355TH STREET DENT, MN 56528 | DELTA DENTAL OF MINNESOTA | $1K | — | $1K | 1.53% |
| PROTECTIVE FINANCIAL SOLUTIONS INC3 | 32412 355TH STREET DENT, MN 56528 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 15.15% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.05% |
| PROTECTIVE FINANCIAL SOLUTIONS INC3 Filed as: PROTECTIVE FINANCIAL SOLUTIONS | 32412 355TH STREET DENT, MN 56528 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $774 | — | $774 | 9.99% |
No Schedule C service providers reported on this filing.
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | 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 | 128 | $831K |
| Dental | DELTA DENTAL OF MINNESOTA | 123 | $77K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 49 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $32K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.