| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 1 PPG PLACE, STE 1000 PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $105K | $64 | $105K | 13.27% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $47K | $8K | $55K | 6.91% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18K | $18K | 2.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 1.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 1 PPG PLACE, STE 1000 PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | $63 | $60K | 34.30% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $3K | $14K | 7.78% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 2.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93076 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | -$6K | — | -$6K | -4.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 1 PPG PLACE, STE 1000 PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $64 | $34K | 29.77% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $8K | 6.57% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 1 PPG PLACE, SUITE 1000 STE 200 PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $64 | $30K | 30.63% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 7.38% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBSMN, INC. EIN 41-0984460 ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $1.2M |
| LYRA HEALTH EIN 47-2935915 ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $258K |
| WILLIS TOWERS WATSON MIDWEST EIN 34-1174529 BROKER | Actuarial; Direct payment from the plan Service code 11 | — | $184K |
| CVS/CAREMARK EIN 05-0340626 ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $102K |
| HINGE HEALTH EIN 81-1884841 FEES | Contract Administrator; Claims processing Service code 12 | — | $97K |
| DDMN ASO, LLC EIN 41-1852523 ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $53K |
| RPW SOLUTIONS LLC EIN 88-1100312 FEES | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $37K |
| BENECO EIN 45-5138085 FEES | Claims processing; Contract Administrator Service code 12 | — | $16K |
| OPTUM EIN 45-4683454 FEES | Claims processing; Contract Administrator Service code 12 | — | $9K |
| ALERUS COBRA EIN 45-0140105 COBRA EXPENSES | Contract Administrator; Claims processing 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 | 1,996 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 39 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,048 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 779 | $137K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,221 | $794K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,221 | $794K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,221 | $794K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,221 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,221 | — |
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.