| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC | 200 GALLERIA PKWY 1950 ATLANTA, GA 30339 | BCBSMN,INC. DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $2K | — | $2K | 1.78% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 15.13% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY 1950 ATLANTA, GA 30339 | BCBSMN, INC. DBA BLUE CROSS AND BLUE SHIELD MINNESOTA | $163K | — | $163K | — |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY 1950 ATLANTA, GA 30339 | BCBSMN, INC. DBA BLUE CROSS AND BLUE SHIELD MINNESOTA | — | $14K | $14K | — |
| DIGITAL INSURANCE LLC | 200 GALLERIA PKWY 1950 ATLANTA, GA 30339 | BCBSMN, INC. DBA BLUE CROSS AND BLUE SHIELD MINNESOTA | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBSMN, INC. DBA BLUE CROSS AND BLU EIN 41-0984460 CONTRACT ADMIN | Legal; Other fees; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | PO BOX 64668 ST. PAUL, MN 55164 | $577K |
| SMITH HEALTH, INC. CONTRACT ADMIN | Claims processing; Contract Administrator Service code 12 | 300 BRANNAN STRET STE 601 SAN FRANCISCO, CA 94107 | $201K |
| WESTBERG EISCHENS, PLLP EIN 41-1792388 ACCOUNTANT | Accounting (including auditing) Service code 10 | 2630 1ST ST S WILLMAR, MN 56201 | $91K |
| DIGITAL INSURANCE, LLC CONTRACT ADMIN | Contract Administrator Service code 13 | 517 NW 4TH STREET 218-824-4400 BRAINERD, MN 56401 | $26K |
| PRUCO SECURITIES, LLC EIN 23-2384840 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | PO BOX 15070 NEW BRUNSWICK, NJ 089065070 | $14K |
| RBA EIN 20-4004667 COMPUTER CONSULTING | Other services Service code 49 | 294 GROVE LANE E, STE 100 WAYZATA, MN 55391 | $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 | 819 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 846 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSMN,INC. DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 26 | $87K |
| Life insurance | STANDARD INSURANCE COMPANY | 408 | $48K |
| Prescription drug | BCBSMN, INC. DBA BLUE CROSS AND BLUE SHIELD MINNESOTA | 10 | $0 |
| Stop-loss / reinsurancereinsurance | BCBSMN, INC. DBA BLUE CROSS AND BLUE SHIELD MINNESOTA | 1,588 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,588 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.