| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | VISION SERVICE PLAN | $12K | — | $12K | 1.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MN EIN 41-0984460 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator; Other fees Service code 12 | — | $2.2M |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Non-monetary compensation; Float revenue; Participant communication; Direct payment from the plan; Named fiduciary; Claims processing; Contract Administrator; Other services Service code 12 | — | $1.8M |
| HEALTH FITNESS CORP EIN 41-1580506 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $602K |
| MILLIMAN EIN 91-0675641 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $385K |
| EXPRESS SCRIPTS INC. EIN 43-1420563 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $301K |
| SAVEONSP EIN 47-3603390 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $259K |
| JIFF EIN 32-0327707 NONE | Other services; Direct payment from the plan Service code 49 | — | $252K |
| ROC GROUP EIN 36-4220885 NONE | Direct payment from the plan; Participant communication; Consulting (pension) Service code 17 | — | $165K |
| CB TRACY EIN 23-2366731 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $124K |
| SUPERVALU, INC. PHARMACIES EIN 41-0617000 PLAN SPONSOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $118K |
| SELECTACCOUNT EIN 41-6019132 NONE | Claims processing; Contract Administrator Service code 12 | — | $96K |
| REPCO PRINTERS & LITHOGRAPHERS EIN 43-0864437 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $92K |
| TOWERS WATSON DELAWARE INC EIN 26-0775680 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $80K |
| AON HEWITT EIN 36-2237591 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $78K |
| HEALTH ALLIANCE EIN 37-1260731 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $75K |
| ADP NATIONAL ACCOUNT SERVICES EIN 22-1467904 NONE | Contract Administrator Service code 13 | — | $61K |
| FAEGRE BAKER DANIELS LLP EIN 41-0244008 NONE | Legal; Direct payment from the plan Service code 29 | — | $58K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $32K |
| PAYFLEX EIN 91-1774434 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $30K |
| PSG CONSULTING EIN 27-2345574 NONE | Contract Administrator Service code 13 | — | $28K |
| BPC (HEALTH REIMBURSEMENT ACCOUNTS) EIN 36-3036100 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $14K |
| MINNESOTA HEALTH ACTION GROUP EIN 20-2307185 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $11K |
| TFG PARTNERS LLC EIN 14-1898306 NONE | Contract Administrator Service code 13 | — | $11K |
| PRESENCE EIN 36-4195126 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $9K |
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 | 7,589 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 126 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,715 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 365 | $4.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MINNESOTA | 13,810 | $3.9M |
| Vision(2 contracts) | VISION SERVICE PLAN | 5,767 | $709K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 157 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,810 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.