| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMPLOYEE BENEFIT SVCS | 6433 SYCAMORE COURT NORTH MAPLE GROVE, MN 55369 | COMPANION LIFE | $9K | — | $9K | 2.67% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 6433 SYCAMORE COURT NORTH MAPLE GROVE, MN 55369 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.42% |
| JAMES ODEGARD3 | 2149 LACHMAN AVE NE ST MICHAEL, MN 55376 | STANDARD INSURANCE COMPANY | $116 | — | $116 | 0.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREFERRED ONE ADMINISTRATIVE SVCS EIN 41-1846481 TPA | Claims processing Service code 12 | 6105 GOLDEN HILLS DRIVE GOLDEN VALLEY, MN 55416 | $59K |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 191 | $36K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 246 | $351K |
| Other | STANDARD INSURANCE COMPANY | 191 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.