| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS CONSULTING LLC3 | 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | SECURIAN LIFE INSURANCE COMPANY | — | $88K | $88K | 2.75% |
| SURVIVOR OUTREACH SERVICES3 | 2591 DALLAS PARKWAY, SUITE 203 FRISCO, TX 75034 | SECURIAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.08% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVE, 25TH FLOOR NEW YORK, NY 10016 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $50K | $50K | 2.44% |
| AMERICAN BENEFITS CONSULTING LLC3 | 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | SECURIAN LIFE INSURANCE COMPANY | — | $35K | $35K | 2.75% |
| SURVIVOR OUTREACH SERVICES3 | 2591 DALLAS PARKWAY, SUITE 203 FRISCO, TX 75034 | SECURIAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.08% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | SECURIAN LIFE INSURANCE COMPANY | — | $7K | $7K | 2.72% |
| SURVIVOR OUTREACH SERVICES3 | 2591 DALLAS PARKWAY, SUITE 203 FRISCO, TX 75034 | SECURIAN LIFE INSURANCE COMPANY | — | $350 | $350 | 0.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | PO BOX 310502 DES MOINES, IA 50331 | HYATT LEGAL PLANS | $5K | $35K | $40K | 74.32% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH AT WORK SOLUTIONS | PO BOX 14496 DES MOINES, IA 50306 | HYATT LEGAL PLANS | — | $26K | $26K | 48.77% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $657 | $657 | 2.62% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $212 | $212 | 2.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIBERTY LIFE ASSURANCE COMPANY EIN 04-6076039 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $425K |
| AETNA BEHAVIORAL HEALTH LLC EIN 33-0052273 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $134K |
| PAYFLEX EIN 91-1774434 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $99K |
| EIDE BAILLY EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $40K |
| SELECT ACCOUNT EIN 41-6019132 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $23K |
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 | 9,562 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 9,562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | SECURIAN LIFE INSURANCE COMPANY | 8,369 | $4.7M |
| Short-term disability(2 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 117 | $34K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,126 | $2.0M |
| Other(2 contracts, 2 carriers) | HYATT LEGAL PLANS | 217 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,369 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.