| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BILLMARKS LAKES AREA INSURANCE INC3 Filed as: BILLMARKS LAKES AREA INS INC | 913 BROADWAY ALEXANDRIA, MN 56308 | PREFERRED ONE ADMINISTRATIVE SERVICES, INC. | $26K | — | $26K | 8.59% |
| CORPORATE HEALTH SYSTEMS INC3 Filed as: CORPORATE HEALTH SYSTEMS INC. | 15153 TECHNOLOGY DRIVE SUITE B EDEN PRAIRIE, MN 55344 | DELTA DENTAL | $1K | — | $1K | 0.88% |
| ENROLLEASE3 Filed as: HANRATTY AND ASSOCIATES INC | 15350 25TH AVE N, SUITE 114 PLYMOUTH, MN 55447 | DELTA DENTAL | $379 | — | $379 | 0.28% |
| BILLMARKS LAKES AREA INSURANCE INC3 Filed as: BILLMARKS LAKES AREA INS INC | 913 BROADWAY ALEXANDRIA, MN 56308 | CIGNA GROUP INSURANCE | $6K | — | $6K | 9.94% |
| CORPORATE HEALTH SYSTEMS INC3 Filed as: CORPORATE HEALTH SYSTEMS INC. | 15153 TECHNOLOGY DRIVE SUITE B EDEN PRAIRIE, MN 55344 | CIGNA GROUP INSURANCE | $6K | — | $6K | 9.29% |
| BILLMARKS LAKES AREA INSURANCE INC3 Filed as: BILLMARKS LAKES AREA INS INC | 913 BROADWAY ALEXANDRIA, MN 56308 | EYEMED VISION CARE - FIDELITY SECRUITY LIFE INSURANCE COMPANY | $855 | — | $855 | 3.70% |
| CORPORATE HEALTH SYSTEMS INC3 Filed as: CORPORATE HEALTH SYSTEMS INC. | 15153 TECHNOLOGY DRIVE SUITE B EDEN PRAIRIE, MN 55344 | EYEMED VISION CARE - FIDELITY SECRUITY LIFE INSURANCE COMPANY | $855 | — | $855 | 3.70% |
| ENROLLEASE Filed as: HANRATTY & ASSOCIATES - BOR | 15350 25TH AVE N, SUITE 114 PLYMOUTH, MN 55447 | EYEMED VISION CARE - FIDELITY SECRUITY LIFE INSURANCE COMPANY | $584 | — | $584 | 2.53% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREFERRED ONE ADMINISTRATIVE SERVICES, INC. | 377 | $297K |
| Dental(2 contracts, 2 carriers) | PREFERRED ONE ADMINISTRATIVE SERVICES, INC. | 377 | $435K |
| Vision | EYEMED VISION CARE - FIDELITY SECRUITY LIFE INSURANCE COMPANY | 284 | $23K |
| Life insurance | CIGNA GROUP INSURANCE | 342 | $62K |
| Long-term disability | CIGNA GROUP INSURANCE | 342 | $62K |
| Prescription drug | PREFERRED ONE ADMINISTRATIVE SERVICES, INC. | 377 | $297K |
| Other | CIGNA GROUP INSURANCE | 342 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.