| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 20/20 ADVISOR GROUP3 | 3500 VICKSBURG LANE STE 178 PLYMOUTH, MN 554470000 | BLUECROSS BLUESHIELD OF MINNESOTA AND BLUE PLUS | $62K | — | $62K | 3.02% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF ROAD SUITE 3-700 ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF MINNESOTA AND BLUE PLUS | $20K | — | $20K | 0.98% |
| 20/20 ADVISOR GROUP3 | 3500 VICKSBURG LANE STE 178 PLYMOUTH, MN 554470000 | BLUECROSS BLUESHIELD OF MINNESOTA PLUS BLUE PLUS | $2K | — | $2K | 1.51% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF ROAD SUITE 3-700 ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF MINNESOTA PLUS BLUE PLUS | $488 | — | $488 | 0.49% |
| 20/20 ADVISOR GROUP3 Filed as: 20/20 ADVISOR GROUP LLC | 3500 VICKSBURG LANE N SUITE 178 MINNEAPOLIS, MN 554471334 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 7.06% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 6.00% |
| ASSOCIATES AGENCIES, INC.3 | 1701 GOLF ROAD SUITE 3-700 ROLLING MEADOWS, IL 600084227 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.10% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 152203353 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.25% |
| GCG FINANCIAL LLC3 Filed as: CLARITY, AN ALERA GROUP COMPANY LLC | PO BOX 46122 EDEN PRAIRIE, MN 553442822 | PRINCIPAL LIFE INSURANCE COMPANY | $200 | — | $200 | 0.24% |
No Schedule C service providers reported on this filing.
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MINNESOTA AND BLUE PLUS | 272 | $2.0M |
| Dental | BLUECROSS BLUESHIELD OF MINNESOTA PLUS BLUE PLUS | 270 | $99K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 203 | $83K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 203 | $83K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 203 | $83K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 203 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.