| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS CONSULTING LLC3 | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | SECURIAN LIFE INSURANCE COMPANY | — | $6K | $6K | 2.54% |
| SURVIVOR OUTREACH SERVICES3 | 2591 DALLAS PARKWAY, SUITE 203 FRISCO, TX 75034 | SECURIAN LIFE INSURANCE COMPANY | — | $496 | $496 | 0.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWER WATSON DELEWARE INC. | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | — | $6K | 3.01% |
| AMERICAN BENEFITS CONSULTING LLC3 | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | SECURIAN LIFE INSURANCE COMPANY | — | $4K | $4K | 2.58% |
| SURVIVOR OUTREACH SERVICES3 | 2591 DALLAS PARKWAY, SUITE 203 FRISCO, TX 75034 | SECURIAN LIFE INSURANCE COMPANY | — | $336 | $336 | 0.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWER WATSON DELEWARE INC. | PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN, INC. | $963 | — | $963 | 2.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EIDE BAILLY LLP EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $55K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Contract Administrator; Direct payment from the plan; Claims processing; Other services; Participant communication; Named fiduciary; Non-monetary compensation; Float revenue Service code 12 | — | $50K |
| BLUE CROSS/BLUE SHIELD MINNESOTA EIN 41-0984460 NONE | Float revenue; Claims processing; Contract Administrator; Other fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $29K |
| U.S. BANK EIN 41-0417860 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $26K |
| MILLIMAN EIN 91-0675641 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $15K |
| CB TRACY EIN 23-2366731 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $6K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,173 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HIGHMARK | 23 | $491K |
| Dental(2 contracts) | DELTA DENTAL | 102 | $31K |
| Vision | VISION SERVICE PLAN | 33 | $3K |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 988 | $384K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 988 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.