| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE HEALTH SYSTEMS INC3 | 15153 TECHNOLOGY DRIVE SUITE B EDEN PRAIRIE, MN 55344 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $45K | $3K | $48K | 3.60% |
| CORPORATE HEALTH SYSTEMS INC3 | 15153 TECHNOLOGY DRIVE SUITE B EDEN PRAIRIE, MN 55344 | BCBSM INC DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $31K | $5K | $36K | 6.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | BCBSM INC DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $12K | — | $12K | 1.98% |
| CORPORATE HEALTH SYSTEMS INC3 | 15153 TECHNOLOGY DRIVE SUITE B EDEN PRAIRIE, MN 55344 | DDMN ASO, LLC | $9K | — | $9K | 3.74% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | DDMN ASO, LLC | $3K | — | $3K | 1.21% |
| CORPORATE HEALTH SYSTEMS INC3 | 15153 TECHNOLOGY DRIVE SUITE B EDEN PRAIRIE, MN 55344 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 3.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 1.27% |
| CORPORATE HEALTH SYSTEMS INC3 | 15153 TECHNOLOGY DRIVE SUITE B EDEN PRAIRIE, MN 55344 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 11.66% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC GA | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 303395946 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 3.34% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 8.88% |
| CORPORATE HEALTH SYSTEMS INC3 | 15153 TECHNOLOGY DR STE B EDEN PRAIRIE, MN 55344 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 7.30% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 8.80% |
| CORPORATE HEALTH SYSTEMS INC3 | 15153 TECHNOLOGY DR STE B EDEN PRAIRIE, MN 55344 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 7.35% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 53.28% |
| CORPORATE HEALTH SYSTEMS INC3 | 15153 TECHNOLOGY DR STE B EDEN PRAIRIE, MN 55344 | UNION SECURITY INSURANCE COMPANY | $948 | — | $948 | 46.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MN EIN 41-0984460 CONTRACT ADMIN | Other fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $182K |
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 | 1,004 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,011 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 474 | $1.9M |
| Dental | DDMN ASO, LLC | 905 | $249K |
| Vision | HUMANA INSURANCE COMPANY | 303 | $58K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 945 | $87K |
| Short-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 945 | $122K |
| Long-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 945 | $117K |
| Stop-loss / reinsurancereinsurance | BCBSM INC DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 474 | $589K |
| Other(4 contracts) | UNION SECURITY INSURANCE COMPANY | 945 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 945 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.