| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: HANRATTY & ASSOCIATES INC | 15350 25TH AVENUE NORTH SUITE 114 PLYMOUTH, MN 55447 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $8K | $2K | $10K | 2.34% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $3K | — | $3K | 0.83% |
| ENROLLEASE3 Filed as: HANRATTY & ASSOCIATES INC | 15350 25TH AVENUE NORTH SUITE 114 PLYMOUTH, MN 55447 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 12.55% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $671 | — | $671 | 9.38% |
| ENROLLEASE3 Filed as: HANRATTY & ASSOCIATES | 15350 25TH AVENUE N SUITE 114 PLYMOUTH, MN 55447 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $607 | — | $607 | 8.48% |
| ENROLLEASE3 Filed as: HANRATTY & ASSOCIATES INC | 15350 25TH AVENUE NORTH SUITE 114 PLYMOUTH, MN 55447 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF MINNE EIN 41-0984460 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $63K |
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | — | $6K |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 108 | $416K |
| Dental | UNION SECURITY INSURANCE COMPANY | 115 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 115 | $7K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $48K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $48K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 108 | $416K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.