| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BREMER INSURANCE AGENCIES INC.3 Filed as: BREMER INSURANCE AGENCIES, INC. | PO BOX 188 SOUTH SAINT PAUL, MN 550750188 | HARTFORD LIFE AND ACCIDENT | $69K | $0 | $69K | 9.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON, CONSULTANT | TOWERS WATSON DELAWARE INC. LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HEALTHPARTNERS | $18K | $0 | $18K | 7.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF MINN. EIN 41-0984460 NONE | Other fees; Other commissions; Direct payment from the plan; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Insurance brokerage commissions and fees; Contract Administrator Service code 12 | — | $841K |
| HEALTH PARTNERS EIN 41-1693838 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $252K |
| TOWERS WATSON OF DELAWARE EIN 53-0181291 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $141K |
| ADVANCED MEDICAL NONE | Direct payment from the plan; Contract Administrator Service code 13 | 4525 HEDGEMORE DRIVE CHARLOTTE, NC 28209 | $82K |
| DDMN ASO, LLC EIN 41-1905554 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $75K |
| ASH COMPANIES HEALTHYROADS, INC NONE | Other services; Consulting (general); Direct payment from the plan Service code 16 | PO BOX 509040 SAN DIEGO, CA 921509040 | $64K |
| TASC MEDSOFT/ACCLAIM EIN 39-1561025 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $28K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $23K |
| TELADOC NONE | Direct payment from the plan; Other fees Service code 50 | 4100 SPRING VALLEY SUITE 515 DALLAS, TX 75244 | $21K |
| SELECTACCOUNT EIN 41-0715583 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $18K |
| U.S. BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Other fees; Contract Administrator; Trustee (bank, trust company, or similar financial institution); Soft dollars commissions; Float revenue; Direct payment from the plan Service code 13 | — | $12K |
| SIMPLE BENEFIT PLAN ADMIN., LLC EIN 45-5118723 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $8K |
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 | 1,729 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 106 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,835 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS | 562 | $252K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,729 | $750K |
| Stop-loss / reinsurancereinsurance | HEALTHPARTNERS | 562 | $252K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,729 | $750K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,729 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.