| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDERSON INSURANCE & INVST AGENCY3 Filed as: ANDERSON INSURANCE & INVESTMENT | 312 CENTRAL AVENUE S.E., SUITE 392 MINNEAPOLIS, MN 55414 | THE UNION LABOR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUELINK/CCS EIN 41-1427596 NONE | Other fees; Direct payment from the plan; Claims processing; Other insurance fees and expenses Service code 12 | — | $590K |
| ST. PAUL ELEC ADMIN SVC CORP EIN 41-1505769 54% OWNER | Contract Administrator; Direct payment from the plan Service code 13 | — | $583K |
| ALAN STURM & ASSOCIATES, INC. EIN 41-1238986 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $279K |
| FELHABER LARSON NONE | Legal; Direct payment from the plan Service code 29 | 220 SOUTH SIXTH STREET SUITE 2200 MINNEAPOLIS, MN 554024504 | $111K |
| ENVOLVE PEOPLECARE EIN 06-1476380 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $110K |
| DELTA DENTAL EIN 41-1905554 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $99K |
| PRIME THERAPEUTICS EIN 26-0076803 NONE | Other fees; Other services; Claims processing; Float revenue Service code 12 | — | $88K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $70K |
| REINHART PARTNERS, INC. NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 1500 W. MARKET STREET MEQUON, WI 53092 | $64K |
| FARR, MILLER & WASHINGTON EIN 52-1979573 NONE | Soft dollars commissions; Investment management fees paid indirectly by plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $50K |
| VSP EIN 06-1227840 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $44K |
| SEVEN CORNERS PRINTING NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 1099 SNELLING AVE N ST. PAUL, MN 55108 | $20K |
| CLIFTONLARSONALLEN EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
| HEALTHWORKS COALITION NONE | Other services; Direct payment from the plan Service code 49 | 700 TRANSFER ROAD ST. PAUL, MN 55114 | $10K |
| GENEX SERVICES, INC. EIN 95-3327434 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $7K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Custodial (securities); Direct payment from the plan; Float revenue; Soft dollars commissions; Investment management fees paid indirectly by plan; Securities brokerage commissions and fees; Other investment fees and expenses Service code 19 | — | $5K |
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 | 2,335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 912 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 1,008 | $2.7M |
| Vision | VISION SERVICE PLAN | 2,535 | $447K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,447 | $44K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 911 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,535 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.