| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ODEGARD BENEFIT SERVICES LLC3 | 21308 JOHN MILLESS DRIVE SUITE 102 ROGERS, MN 55374 | BCBSMN,INC DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $41K | $25K | $66K | 7.94% |
| ODEGARD BENEFIT SERVICES LLC3 | 21308 JOHN MILLESS DRIVE STE 102 ROGERS, MN 55374 | DELTA DENTAL OF MINNESOTA | — | — | $0 | 0.00% |
| ODEGARD BENEFIT SERVICES LLC3 | 21308 JOHN MILLESS DRIVE STE 102 ROGERS, MN 55374 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF MN EIN 41-0984460 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator Service code 12 | 1750 YANKEE DOODLE ROAD EAGAN, MN 551211627 | $466K |
| DELTA DENTAL OF MINNESOTA EIN 41-1905554 TPA | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 3560 DELTA DENTAL DRIVE EAGAN, MN 55122 | $40K |
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 | 907 | 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) | 907 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 907 | $535K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 859 | $257K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 859 | $257K |
| Stop-loss / reinsurancereinsurance | BCBSMN,INC DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 898 | $835K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 907 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.