| 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 insurance fees and expenses; Other fees; Direct payment from the plan; Claims processing Service code 12 | — | $701K |
| ST. PAUL ELEC ADMIN SVC CORP EIN 41-1505769 54% OWNER | Direct payment from the plan; Contract Administrator Service code 13 | — | $639K |
| ALAN STURM & ASSOCIATES, INC. EIN 41-1238986 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $295K |
| DELTA DENTAL EIN 41-1905554 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $104K |
| PRIME THERAPEUTICS EIN 26-0076803 NONE | Other fees; Other services; Float revenue; Claims processing Service code 12 | — | $92K |
| ENVOLVE PEOPLECARE EIN 06-1476380 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $91K |
| REINHART PARTNERS, INC. NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 1500 W. MARKET STREET MEQUON, WI 53092 | $73K |
| FARR, MILLER & WASHINGTON EIN 52-1979573 NONE | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Investment management; Soft dollars commissions Service code 28 | — | $61K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $48K |
| VSP EIN 06-1227840 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $41K |
| FELHABER LARSON NONE | Legal; Direct payment from the plan Service code 29 | 220 SOUTH SIXTH STREET SUITE 2200 MINNEAPOLIS, MN 554024504 | $38K |
| CLIFTONLARSONALLEN EIN 41-0746749 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $28K |
| HEALTHWORKS COALITION NONE | Direct payment from the plan; Other services Service code 49 | 700 TRANSFER ROAD ST. PAUL, MN 55114 | $26K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Other investment fees and expenses; Custodial (securities); Securities brokerage commissions and fees; Direct payment from the plan; Investment management fees paid indirectly by plan; Float revenue; Soft dollars commissions Service code 19 | — | $6K |
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 | 2,407 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 957 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 1,063 | $2.9M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,588 | $45K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 960 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,588 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.