| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELEWARE INC. | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC. | $67K | — | $67K | 2.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELEWARE INC. | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN, INC. | $19K | — | $19K | 2.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | VISION SERVICE PLAN | $14K | — | $14K | 2.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELEWARE INC - OH | 1001 LAKESIDE AVE CLEVELAND, OH 44114 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $7K | — | $7K | 1.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELEWARE INC. | 300 SOUTH GRAND AVE, SUITE 2000 LOS ANGELES, CA 90071 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $3K | — | $3K | 2.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELEWARE INC. | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 2.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MN EIN 41-0984460 NONE | Contract Administrator; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $2.0M |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Float revenue; Contract Administrator; Named fiduciary; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $1.4M |
| HEALTH FITNESS CORP EIN 41-1580506 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $785K |
| EXPRESS SCRIPTS INC. EIN 43-1420563 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $302K |
| SAVEONSP EIN 47-3603390 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $275K |
| MILLIMAN EIN 91-0675641 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $267K |
| JIFF EIN 32-0327707 NONE | Other services; Direct payment from the plan Service code 49 | — | $175K |
| CB TRACY EIN 23-2366731 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $124K |
| ROC GROUP EIN 36-4220885 NONE | Participant communication; Consulting (pension); Direct payment from the plan Service code 17 | — | $111K |
| SELECTACCOUNT EIN 41-6019132 NONE | Claims processing; Contract Administrator Service code 12 | — | $109K |
| HEALTH ALLIANCE EIN 37-1260731 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $102K |
| FAEGRE BAKER DANIELS LLP EIN 41-0244008 NONE | Legal; Direct payment from the plan Service code 29 | — | $81K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $56K |
| SUPERVALU, INC. PHARMACIES EIN 41-0617000 PLAN SPONSOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $55K |
| REPCO PRINTERS & LITHOGRAPHERS EIN 43-0864437 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $54K |
| PAYFLEX EIN 91-1774434 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $51K |
| MINNESOTA HEALTH ACTION GROUP EIN 20-2307185 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $22K |
| AON HEWITT EIN 36-2237591 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $20K |
| ADP NATIONAL ACCOUNT SERVICES EIN 22-1467904 NONE | Contract Administrator Service code 13 | — | $18K |
| BPC (HEALTH REIMBURSEMENT ACCOUNTS) EIN 36-3036100 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $11K |
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 | 7,093 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 359 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | HIGHMARK | 377 | $8.4M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL | 12,667 | $4.5M |
| Vision(2 contracts) | VISION SERVICE PLAN | 5,247 | $724K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 168 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,667 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.