| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHPARTNERS ADMINISTRATORS, INC. EIN 41-1629390 CLAIMS ADMINISTRATOR | Contract Administrator; Insurance agents and brokers; Other commissions; Float revenue; Claims processing; Insurance brokerage commissions and fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 8170 33RD AVE S BLOOMINGTON, MN 55425 | $359K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 PHARMACY BENEFIT MGMT | Contract Administrator Service code 13 | 6625 W 78TH ST BLOOMINGTON, MN 55439 | $106K |
| DELTA DENTAL EIN 41-1905554 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 9304 MINNEAPOLIS, MN 55440 | $53K |
| PRUDENTIAL INSURANCE COMPANY OF AME EIN 22-1211670 STD CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 7639 PHILADELPHIA, PA 19176 | $41K |
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 | 1,518 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN - VSP | 617 | $150K |
| Life insurance | MN LIFE INSURANCE COMPANY | 1,203 | $322K |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,305 | $340K |
| Stop-loss / reinsurancereinsurance | HEALTHPARTNERS ADMINISTRATORS, INC. | 2,022 | $605K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,022 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.