| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTELLICENTS INC3 Filed as: INTELLICENTS | 8200 COMMONWEALTH DRIVE EDEN PRAIRIE, MN 55344 | BCBSMN,INC DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $51K | — | $51K | 8.06% |
| INTELLICENTS INC3 Filed as: INTELLICENTS | 100 N BROADWAY AVENUE ALBERT LEA, MN 56007 | METROPOLITAN LIFE INSURANCE COMPANY | — | $479 | $479 | 0.19% |
| INTELLICENTS INC3 Filed as: INTELLICENTS | 8200 COMMONWEALTH DRIVE EDEN PRAIRIE, MN 55344 | DELTA DENTAL OF MINNESOTA | — | — | $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.); Contract Administrator; Other fees; Claims processing Service code 12 | 1750 YANKEE DOODLE ROAD EAGAN, MN 551211627 | $443K |
| DELTA DENTAL OF MINNESOTA EIN 41-1905554 TPA | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | 3560 DELTA DENTAL DRIVE EAGAN, MN 55122 | $48K |
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 | 895 | 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) | 895 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 857 | $48K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 848 | $259K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 848 | $259K |
| Stop-loss / reinsurancereinsurance | BCBSMN,INC DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 895 | $637K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 895 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.