| 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 | $4K | — | $4K | 0.93% |
| ANDERSON INSURANCE & INVST AGENCY3 | 312 CENTRAL AVE., SE MINNEAPOLIS, MN 55414 | THE UNION LABOR LIFE INSURANCE CO. | $12K | — | $12K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUELINK TPA/COMPREHENSIVE CARE SVC EIN 41-1427596 NONE | Contract Administrator Service code 13 | — | $958K |
| DELTA DENTAL EIN 41-1905554 NONE | Contract Administrator Service code 13 | — | $218K |
| THOMASINE GLOMSKI EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $90K |
| T.E.A.M., INC. EIN 83-0469948 NONE | Consulting (general) Service code 16 | — | $89K |
| HEALTHCARE SERVICE ADVISORS NONE | Consulting (general) Service code 16 | 15050 CEDAR AVE. S., STE 116-364 APPLE VALLEY, MN 55125 | $88K |
| WENDEE LOCK EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| ANDERSON, HELGEN, DAVIS & CEFALU EIN 26-3644998 NONE | Legal Service code 29 | — | $75K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Actuarial; Consulting (general) Service code 11 | — | $70K |
| SHARON HAFERKORN EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $61K |
| JODY ROE EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $59K |
| CHRISTIE MCLAIN EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $54K |
| GALLIARD CAPITAL MANAGEMENT EIN 41-1813702 NONE | Investment management Service code 28 | — | $54K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Contract Administrator Service code 13 | — | $52K |
| WENDY DAVIS EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $46K |
| MCCORMICK LAW OFFICE, P.A. EIN 41-1854245 NONE | Legal Service code 29 | — | $46K |
| CORVEL CORPORATION NONE | Consulting (general) Service code 16 | 3001 NE BROADWAY, STE 600 MINNEAPOLIS, MN 55413 | $39K |
| HONSA-BINDER PRINTING, INC. EIN 41-1605232 NONE | Copying and duplicating Service code 36 | — | $31K |
| JAN SMITH EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $30K |
| GAIL BANGLE EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $29K |
| CARLA GRUETZMACHER EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $29K |
| UNION BANK & TRUST EIN 41-1267434 NONE | Custodial (securities); Account maintenance fees Service code 19 | — | $28K |
| SERENITY KOTZ EIN 41-1384754 EMPLOYEE | Employee (plan) Service code 30 | — | $28K |
| NETTECH, INC. EIN 43-1712583 NONE | Consulting (general) Service code 16 | — | $23K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $21K |
| SYSTEMS DESIGN ASSOCIATES EIN 43-1228887 NONE | Consulting (general) Service code 16 | — | $19K |
| MARCO CONSULTING GROUP, INC. EIN 36-3555078 NONE | Investment advisory (plan) Service code 27 | — | $6K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan) Service code 27 | — | $6K |
| ADROIT SOLUTIONS EIN 27-2932953 NONE | Consulting (general) Service code 16 | — | $5K |
| PRIME THERAPEUTICS EIN 26-0076803 NONE | Other services; Claims processing; Float revenue 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 | 3,110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,431 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MINNESOTA | 1,751 | $2.4M |
| Life insurance | THE UNION LABOR LIFE INSURANCE CO. | 3,220 | $239K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MINNESOTA | 1,746 | $2.1M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MINNESOTA | 3,422 | $442K |
| Other | THE UNION LABOR LIFE INSURANCE CO. | 3,220 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,422 | — |
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.