| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDERSON INSURANCE & INVST AGENCY3 | 312 CENTRAL AVE., SE MINNEAPOLIS, MN 55414 | BLUE CROSS BLUE SHIELD OF MINNESOTA | $3K | — | $3K | 1.10% |
| ANDERSON INSURANCE & INVST AGENCY3 | 312 CENTRAL AVE., SE MINNEAPOLIS, MN 55414 | THE UNION LABOR LIFE INSURANCE CO. | $11K | — | $11K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUELINK TPA/COMPREHENSIVE CARE SVC EIN 41-1427596 NONE | Contract Administrator Service code 13 | — | $932K |
| DELTA DENTAL EIN 41-1905554 NONE | Contract Administrator Service code 13 | — | $204K |
| ANDERSON, HELGEN, DAVIS & CEFALU EIN 26-3644998 NONE | Legal Service code 29 | — | $125K |
| WENDEE LOCK EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $89K |
| T.E.A.M., LLC EIN 83-0469948 NONE | Consulting (general) Service code 16 | — | $82K |
| THOMASINE GLOMSKI EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $77K |
| SEGAL EIN 13-1957125 NONE | Actuarial; Consulting (general) Service code 11 | — | $72K |
| HEALTH SYSTEMS MANAGEMENT, INC. EIN 41-1574615 NONE | Consulting (general) Service code 16 | — | $64K |
| GALLIARD CAPITAL MANAGEMENT EIN 41-1813702 NONE | Investment management Service code 28 | — | $63K |
| JODY ROE EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $57K |
| CHRISTIE MCLAIN EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $56K |
| CARLA GRUETZMACHER EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $51K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Contract Administrator Service code 13 | — | $50K |
| HONSA-BINDER PRINTING, INC. EIN 41-1605232 NONE | Copying and duplicating Service code 36 | — | $50K |
| SYSTEMS DESIGN ASSOCIATES EIN 43-1228887 NONE | Consulting (general) Service code 16 | — | $46K |
| WENDY DAVIS EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $45K |
| LINDSEY PRANGE EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $42K |
| CORVEL CORPORATION NONE | Consulting (general) Service code 16 | 3001 NE BROADWAY, STE 600 MINNEAPOLIS, MN 55413 | $42K |
| MCCORMICK LAW OFFICE, P.A. EIN 41-1854245 NONE | Legal Service code 29 | — | $40K |
| HOLLY RAMSEYER EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $32K |
| JAN SMITH EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $29K |
| MEGAN HENDERSON EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $27K |
| UNION BANK & TRUST EIN 41-1267434 NONE | Account maintenance fees; Custodial (securities) Service code 19 | — | $27K |
| SHARON HAFERKORN EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $26K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $23K |
| FRSECURE NONE | Other services Service code 49 | 5909 BAKER ROAD MINNETONKA, MN 55345 | $19K |
| NETTECH, INC. EIN 43-1712583 NONE | Consulting (general) Service code 16 | — | $18K |
| MARCO CONSULTING GROUP, INC. EIN 36-3555078 NONE | Investment advisory (plan) Service code 27 | — | $13K |
| GREG ROM EIN 41-1384754 NONE | Consulting (general) Service code 16 | — | $6K |
| ADROIT SOLUTIONS EIN 27-2932953 NONE | Consulting (general) Service code 16 | — | $6K |
| DOHERTY NONE | Other services Service code 49 | 7645 METRO BLVD EDINA, MN 55439 | $6K |
| PRIME THERAPEUTICS EIN 26-0076803 NONE | Float revenue; Claims processing; Other services Service code 12 | — | $0 |
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 | 3,015 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,427 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MINNESOTA | 1,702 | $2.3M |
| Life insurance | THE UNION LABOR LIFE INSURANCE CO. | 2,976 | $218K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MINNESOTA | 1,702 | $1.9M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MINNESOTA | 2,804 | $307K |
| Other | THE UNION LABOR LIFE INSURANCE CO. | 2,976 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,976 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.