| 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 | $17K | $0 | $17K | 2.59% |
| ANDERSON INSURANCE & INVST AGENCY3 | 312 CENTRAL AVE., SE MINNEAPOLIS, MN 55414 | THE UNION LABOR LIFE INSURANCE CO. | $11K | $0 | $11K | 5.00% |
| ASSOCIATED BENEFITS & RISK CONSULTI3 | 711 EISENHOWER DR. KIMBERLY, WI 54136 | THE UNION LABOR LIFE INSURANCE CO. | $9K | $0 | $9K | 4.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUELINK TPA COMPREHENSIVE CARE SVC EIN 41-1427596 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Direct payment from the plan Service code 12 | — | $1.1M |
| DELTA DENTAL EIN 41-1905554 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $246K |
| PRIME THERAPEUTICS EIN 26-0076803 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 12 | — | $198K |
| INNOVATIVE OFFICE SOLUTIONS NONE | Other fees; Direct payment from the plan Service code 50 | 510 S MARQUETTE AVE SUITE #120 MINNEAPOLIS, MN 55402 | $155K |
| CARLA GRUETZMACHER EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD SUITE #425 MAPLE GROVE, MN 55311 | $126K |
| T.E.A.M. CORPORATION EIN 81-4050818 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $120K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $96K |
| HEALTHCARE SERVICE ADVISORS EIN 81-2790745 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $83K |
| JODY ROE EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD SUITE #425 MAPLE GROVE, MN 55311 | $79K |
| KUTAK ROCK LLP EIN 47-0597598 NONE | Legal; Direct payment from the plan Service code 29 | — | $78K |
| GALLIARD CAPITAL MANAGEMENT INC. EIN 41-1813702 NONE | Direct payment from the plan; Investment management Service code 28 | — | $75K |
| WENDEE LOCK EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 6900 WEDGWOOD ROAD, SUITE #425 MAPLE GROVE, MN 55311 | $72K |
| THOMASINE GLOMSKI EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE #425 MAPLE GROVE, MN 55311 | $72K |
| SHARON HAFERKORN EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE #425 MAPLE GROVE, MN 55311 | $72K |
| CHRISTIE MCLAIN EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 6900 WEDGWOOD ROAD, SUITE #425 MAPLE GROVE, MN 55311 | $71K |
| AUTUMN WISTE EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 6900 WEDGWOOD ROAD, SUITE #425 MAPLE GROVE, MA 55311 | $66K |
| SERENITY KOTZ EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE #425 MAPLE GROVE, MN 55311 | $65K |
| MOLLY KNIEFEL EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE #425 MAPLE GROVE, MN 55311 | $63K |
| GAIL BANGLE EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 6900 WEDGWOOD ROAD, SUITE #425 MAPLE GROVE, MN 55311 | $59K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $50K |
| STEPHANIE DABROWSKI EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE #425 MAPLE GROVE, MN 55311 | $36K |
| UNION BANK & TRUST EIN 41-1267434 NONE | Direct payment from the plan; Account maintenance fees; Custodial (securities) Service code 19 | — | $31K |
| MCCORMICK LAW OFFICE, P.A. EIN 41-1854245 NONE | Legal; Direct payment from the plan Service code 29 | — | $31K |
| SYSTEM DESIGN ASSOCIATES EIN 43-1228887 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $29K |
| CLIFTONLARSONALLEN EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $28K |
| CORVEL CORPORATION NONE | Direct payment from the plan; Consulting (general) Service code 16 | 3001 NE BROADWAY, STE 600 MINNEAPOLIS, MN 55413 | $23K |
| NOLOGY NETWORKS LLC EIN 27-2294131 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $20K |
| SEGAL MACRO ADVISORS EIN 13-2646110 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $19K |
| NETTECH, INC. EIN 43-1712583 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $17K |
| JAN SMITH NONE | Employee (plan); Direct payment from the plan Service code 30 | 6900 WEDGWOOD ROAD, SUITE #425 MAPLE GROVE, MN 55311 | $12K |
| BLUESKIN CONSULTING NONE | Consulting (general); Direct payment from the plan Service code 16 | 12964 LEXINGTON AVE NE BLAINE, MN 55449 | $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 | 3,356 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,538 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,894 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE CO. | 3,505 | $226K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MINNESOTA | 3,822 | $659K |
| Other | THE UNION LABOR LIFE INSURANCE CO. | 3,505 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,822 | — |
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."
No prospect flags tripped on this filing.