| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SVCS CENRAL C/O NORTHERN | 75 REMITTANCE DR SUITE 1943 CHICAGO, IL 60675 | HM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| AON CONSULTING INC3 | 8300 NORMAN CTR DRIVE, #400 MINNEAPOLIS, MN 55437 | USABLE LIFE | $12K | $0 | $12K | 10.00% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | USABLE LIFE | $3K | $0 | $3K | 2.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING-MN | 8300 NORMAN CTR DRIVE, #1000 BLOOMINGTON, MN 55437 | BCBSM, INC. DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | — | $100K | $100K | 38910.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF MINNE EIN 41-0984460 NONE | Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | PO BOX 64560 ST. PAUL, MN 55164 | $1.4M |
| U.S. BANCORP ASSET MANAGEMENT EIN 41-2003732 NONE | Investment management Service code 28 | — | $20K |
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 | 2,369 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSM, INC. DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 4,750 | $257 |
| Dental | DELTA DENTAL | 4,751 | $1.7M |
| Life insurance | USABLE LIFE | 2,714 | $124K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 4,750 | $997K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,751 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.