| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED BENEFITS AND RISK CONSUL3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | BLUE CROSS BLUE SHIELD OF MINNESOTA | $48K | $0 | $48K | 8.31% |
| 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 | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator Service code 12 | — | $1.2M |
| DELTA DENTAL EIN 41-1905554 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $241K |
| KUTAK ROCK LLP EIN 47-0597598 NONE | Legal; Direct payment from the plan Service code 29 | — | $207K |
| PRIME THERAPEUTICS EIN 26-0076803 NONE | Other fees; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $159K |
| CARLA GRUETZMACHER EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD SUITE #425 MAPLE GROVE, MN 55311 | $122K |
| JODY ROE EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 6900 WEDGWOOD ROAD SUITE #425 MAPLE GROVE, MN 55311 | $113K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $104K |
| HEALTHCARE SERVICE ADVISORS EIN 81-2790745 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $82K |
| THOMASINE GLOMSKI EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 6900 WEDGWOOD ROAD SUITE #425 MAPLE GROVE, MN 55311 | $79K |
| GAIL BANGLE EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 6900 WEDGWOOD ROAD SUITE #425 MAPLE GROVE, MN 55311 | $77K |
| WENDEE LOCK EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 6900 WEDGWOOD ROAD SUITE #425 MAPLE GROVE, MN 55311 | $74K |
| CHRISTIE MCLAIN EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD SUITE #425 MAPLE GROVE, MN 55311 | $67K |
| AUTUMN WISTE EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 6900 WEDGWOOD ROAD SUITE #425 MAPLE GROVE, MN 55311 | $63K |
| MCCORMICK LAW OFFICE, P.A. EIN 41-1854245 NONE | Legal; Direct payment from the plan Service code 29 | — | $62K |
| SERENITY KOTZ EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD SUITE #425 MAPLE GROVE, MN 55311 | $60K |
| MOLLY KNIEFEL EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 6900 WEDGWOOD ROAD SUITE #425 MAPLE GROVE, MN 55311 | $56K |
| SHARON HAFERKORN EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD SUITE #425 MAPLE GROVE, MN 55311 | $54K |
| SYSTM DESIGN ASSOCIATES EIN 43-1228887 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $53K |
| JAN SMITH EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD SUITE #425 MAPLE GROVE, MN 55311 | $53K |
| GALLIARD CAPITAL MANAGEMENT, INC. EIN 41-1813702 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $53K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $49K |
| T.E.A.M. CORPORATION EIN 81-4050818 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $48K |
| NOLOGY NETWORKS LLC EIN 27-2294131 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $31K |
| HONSA-BINDER PRINTING, INC. EIN 41-1605232 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $30K |
| UNION BANK & TRUST EIN 41-1267434 NONE | Direct payment from the plan; Custodial (securities); Account maintenance fees Service code 19 | — | $28K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $26K |
| FR SECURE NONE | Consulting (general); Direct payment from the plan Service code 16 | 5909 BAKER ROAD SUITE 500 MINNETONKA, MN 55345 | $19K |
| NETTECH, INC. EIN 43-1712583 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $18K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $13K |
| CORVEL CORPORATION NONE | Consulting (general); Direct payment from the plan Service code 16 | 3001 NE BROADWAY STE 600 MINNEAPOLIS, MN 55413 | $12K |
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 | 2,973 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,629 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MINNESOTA | 1,824 | $2.9M |
| Life insurance | THE UNION LABOR LIFE INSURANCE CO. | 3,366 | $223K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MINNESOTA | 1,827 | $2.5M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MINNESOTA | 3,669 | $573K |
| Other | THE UNION LABOR LIFE INSURANCE CO. | 3,366 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,669 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.