| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 Filed as: LABOR-FIRST LLC | 3000 MIDLANTIC DRIVE, SUITE 101 MOUNT LAUREL, NJ 080541513 | HUMANA INSURANCE COMPANY | $194K | — | $194K | 10.01% |
| 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 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other fees; Direct payment from the plan; Contract Administrator Service code 12 | — | $912K |
| WILSON-MCSHANE CORPORATION EIN 41-0956552 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $817K |
| RON EITHER EIN 41-1365924 EMPLOYEE | Direct payment from the plan; Contract Administrator Service code 13 | — | $217K |
| PRIME THERAPEUTICS EIN 26-0076803 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other fees; Direct payment from the plan; Contract Administrator; Float revenue Service code 12 | — | $203K |
| DELTA DENTAL EIN 41-1905554 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $83K |
| REINHART PARTNERS, INC. NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 1500 W. MARKET STREET MEQUON, WI 53092 | $82K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $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 | — | $68K |
| VSP EIN 06-1227840 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $46K |
| KUTAK ROCK EIN 47-0597598 NONE | Legal; Direct payment from the plan Service code 29 | — | $43K |
| CLIFTONLARSONALLEN EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $35K |
| FELHABER LARSON NONE | Legal; Direct payment from the plan Service code 29 | 220 SOUTH SIXTH STREET SUITE 2200 MINNEAPOLIS, MN 554024504 | $27K |
| ENVOLVE PEOPLECARE EIN 06-1476380 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $20K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Direct payment from the plan; Securities brokerage commissions and fees; Soft dollars commissions; Other investment fees and expenses; Float revenue; Investment management fees paid indirectly by plan; Custodial (securities) Service code 19 | — | $7K |
| HEALTHWORKS COALITION NONE | Other services; Direct payment from the plan Service code 49 | 700 TRANSFER ROAD ST. PAUL, MN 55114 | $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 | 2,447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 968 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 1,116 | $5.1M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,397 | $49K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 1,008 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,397 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.