| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 Filed as: LABOR-FIRST LLC | 3000 MIDLANTIC DR SUITE 101 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | $294K | $0 | $294K | 6.13% |
| ASSOCIATED BENEFITS & RISK CONSULTI3 | 6000 CLEARWATER DRIVE MINNETONKA, MA 55343 | THE UNION LABOR LIFE INSURANCE CO. | $21K | $0 | $21K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | P.O. BOX 1459 MINNEAPOLIS, MN 55440 | $788K |
| DELTA DENTAL EIN 41-1905554 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $233K |
| INNOVATIVE OFFICE SOLUTIONS NONE | Direct payment from the plan; Other fees Service code 50 | 510 S MARQUETTE AVE SUITE #120 MINNEAPOLIS, MN 55402 | $203K |
| CARLA GRUETZMACHER EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 6900 WEDGWOOD ROAD SUITE #425 MAPLE GROVE, MN 55311 | $138K |
| KUTAK ROCK LLP EIN 47-0597598 NONE | Legal; Direct payment from the plan Service code 29 | — | $135K |
| ASMED HEALTH NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | 2 S. UNIVERSITY DR. SUITE 330 PLANTATION, FL 33324 | $130K |
| T.E.A.M. CORPORATION EIN 81-4050818 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $90K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $90K |
| WENDEE LOCK EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 6900 WEDGWOOD ROAD, SUITE #425 MAPLE GROVE, MN 55311 | $82K |
| GALLIARD CAPITAL MANAGEMENT INC. EIN 41-1813702 NONE | Direct payment from the plan; Investment management Service code 28 | — | $76K |
| HEALTHCARE SERVICE ADVISORS EIN 81-2790745 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $72K |
| SHARON HAFERKORN EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE #425 MAPLE GROVE, MN 55311 | $72K |
| AUTUMN WISTE EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE #425 MAPLE GROVE, MA 55311 | $69K |
| SERENITY KOTZ EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 6900 WEDGWOOD ROAD, SUITE #425 MAPLE GROVE, MN 55311 | $67K |
| MOLLY KNIEFEL EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 6900 WEDGWOOD ROAD, SUITE #425 MAPLE GROVE, MN 55311 | $64K |
| CLIFTONLARSONALLEN EIN 41-0746749 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $47K |
| MEGAN ESPEDAL EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 6900 WEDGWOOD ROAD SUITE #425 MAPLE GROVE, MN 55311 | $44K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $42K |
| MCCORMICK LAW OFFICE, P.A. EIN 41-1854245 NONE | Legal; Direct payment from the plan Service code 29 | — | $39K |
| UNION BANK & TRUST EIN 41-1267434 NONE | Custodial (securities); Account maintenance fees; Direct payment from the plan Service code 19 | — | $37K |
| GAIL BANGLE EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE #425 MAPLE GROVE, MN 55311 | $37K |
| ASHLEY TARTER EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 6900 WEDGWOOD ROAD SUITE #425 MAPLE GROVE, MN 55311 | $31K |
| STEPHANIE DABROWSKI EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 6900 WEDGWOOD ROAD, SUITE #425 MAPLE GROVE, MN 55311 | $29K |
| BRANDI HARTFIELD EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 6900 WEDGWOOD RD SUITE #425 MAPLE GROVE, MN 55311 | $29K |
| NOLOGY NETWORKS LLC EIN 27-2294131 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $26K |
| CRA INTERNATIONAL NONE | Direct payment from the plan; Consulting (general) Service code 16 | 200 CLAREDON STREET BOSTON, MA 02116 | $25K |
| SYSTEM DESIGN ASSOCIATES EIN 43-1228887 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $19K |
| CORVEL CORPORATION NONE | Direct payment from the plan; Consulting (general) Service code 16 | 3001 NE BROADWAY, STE 600 MINNEAPOLIS, MN 55413 | $17K |
| LEVEL 3 COMMUNICATIONS NONE | Other services; Direct payment from the plan Service code 49 | 100 CENTURYLINK DRIVE MONORE, LA 71203 | $16K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $15K |
| THOMASINE GLOMSKI EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 6900 WEDGWOOD ROAD, SUITE #425 MAPLE GROVE, MN 55311 | $13K |
| SHANELL GOODEN EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD SUITE #425 MAPLE GROVE, MN 55311 | $11K |
| CUMMINS & CUMMINS LLP NONE | Legal; Direct payment from the plan Service code 29 | 920 2ND AVENUE SOUTH SUITE 1245 MINNEAPOLIS, MN 55402 | $10K |
| WILSON-MCSHANE CORPORATION NONE | Direct payment from the plan; Consulting (general) Service code 16 | 3001 METRO DR SUITE 500 BLOOMINGTON, MN 55425 | $9K |
| ALLEN BATES TECHNOLOGY NONE | Consulting (general); Direct payment from the plan Service code 16 | 600 MCKNIGHT PARK DR PITTSBURGH, PA 15237 | $7K |
| JAEL LANG NONE | Direct payment from the plan; Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE #425 MAPLE GROVE, MN 55311 | $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 | 3,079 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,454 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 1,840 | $4.8M |
| Life insurance | THE UNION LABOR LIFE INSURANCE CO. | 3,486 | $686K |
| Other | THE UNION LABOR LIFE INSURANCE CO. | 3,486 | $686K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,486 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.