| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE, SUITE 100 BLOOMINGTON, MN 55437 | THE UNION LABOR LIFE INSURANCE COMPANY | $23K | — | $23K | 3.00% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DR., SUITE 400 VALHALLA, NY 10595 | THE UNION LABOR LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTH CARE NONE | Other fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | P. O. BOX 1459 MINNEAPOLIS, MN 55440 | $1.3M |
| KUTAK ROCK LLP EIN 47-0597598 NONE | Legal Service code 29 | — | $240K |
| DDMN ASO, LLC EIN 41-1852523 NONE | Claims processing; Contract Administrator Service code 12 | — | $211K |
| CARLA GRUETZMACHER EMPLOYEE | Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE 425 MAPLE GROVE, MN 55311 | $202K |
| ANN KELLEN EMPLOYEE | Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE 425 MAPLE GROVE, MN 55311 | $173K |
| INNOVATIVE OFFICE SOLUTIONS EIN 36-4550688 NONE | Other services Service code 49 | — | $149K |
| ARBOR RIDGE LLC EIN 41-2021746 NONE | Other services Service code 49 | — | $120K |
| SHARON HAFERKORN EMPLOYEE | Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE 425 MAPLE GROVE, MN 55311 | $109K |
| WENDEE LOCK EMPLOYEE | Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE 425 MAPLE GROVE, MN 55311 | $106K |
| MEGAN ESPEDAL EMPLOYEE | Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE 425 MAPLE GROVE, MN 55311 | $104K |
| PITNEY BOWES NONE | Other services Service code 49 | 3001 SUMNER STREET STAMFORD, CT 06905 | $104K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Actuarial Service code 11 | — | $103K |
| MOLLY KNIEFEL EMPLOYEE | Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE 425 MAPLE GROVE, MN 55311 | $98K |
| ASMED HEALTH, LLC EIN 27-4189010 NONE | Contract Administrator; Claims processing Service code 12 | — | $95K |
| ASHLEY TARTER EMPLOYEE | Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE 425 MAPLE GROVE, MN 55311 | $88K |
| JAEL LANG EMPLOYEE | Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE 425 MAPLE GROVE, MN 55311 | $85K |
| SAV-RX NONE | Contract Administrator; Claims processing Service code 12 | 224 N. PARK AVENUE FREMONT, NE 68025 | $81K |
| STEPHANIE COLBURN EMPLOYEE | Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE 425 MAPLE GROVE, MN 55311 | $81K |
| DORENE MARTINEAU EMPLOYEE | Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE 425 MAPLE GROVE, MN 55311 | $80K |
| GALLIARD CAPITAL MANAGEMENT, LLC EIN 41-1813702 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $77K |
| HEALTH CARE SERVICE ADVISORS EIN 81-2790745 NONE | Consulting (general) Service code 16 | — | $76K |
| SERENITY KOTZ EMPLOYEE | Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE 425 MAPLE GROVE, MN 55311 | $76K |
| TIERRA CROMWELL EMPLOYEE | Employee (plan) Service code 30 | 6900 WEDGWOOD ROAD, SUITE 425 MAPLE GROVE, MN 55311 | $73K |
| UNION BANK & TRUST COMPANY EIN 41-1267434 NONE | Custodial (securities); Account maintenance fees Service code 19 | — | $67K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Claims processing; Contract Administrator Service code 12 | — | $46K |
| LOOMIS SAYLES TRUST COMPANY EIN 20-8080381 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $44K |
| TEAM LLC EIN 81-4050818 NONE | Contract Administrator Service code 13 | — | $44K |
| NOLOGY NETWORKS EIN 27-2294131 NONE | Other services Service code 49 | — | $32K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing) Service code 10 | — | $30K |
| LEVEL 3 COMMUNICATIONS NONE | Other services Service code 49 | 100 CENTURYLINK DRIVE MONORE, LA 71203 | $22K |
| CORVEL HEALTHCARE CORPORATION EIN 95-3382819 NONE | Consulting (general) Service code 16 | — | $20K |
| SYSTEM DESIGNS EIN 43-1228887 NONE | Other services Service code 49 | — | $16K |
| WILSON MCSHANE CORPORATION EIN 41-0956552 NONE | Accounting (including auditing) Service code 10 | — | $16K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan) Service code 27 | — | $15K |
| US BANK FINANCE NONE | Other services Service code 49 | P. O. BOX 1950 ST. PAUL, MN 55101 | $12K |
| HONSA-BINDER PRINTING, INC EIN 41-1605232 NONE | Copying and duplicating Service code 36 | — | $10K |
| BRIDGEWAY BENEFIT TECHNOLOGIES NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 3700 KOPPERS STREET, SUITE 400 BALTIMORE, MD 21227 | $7K |
| RED CEDAR CONSULTING LLC EIN 87-3413119 NONE | Consulting (general) Service code 16 | — | $7K |
| BUSINESS ESSENTIALS NONE | Other services Service code 49 | 44 NORTHERN STACKS DRIVE, SUITE 120 MINNEAPOLIS, MN 55421 | $6K |
| STERICYCLE INC. EIN 36-3640402 NONE | Other services Service code 49 | — | $5K |
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 | 3,061 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,490 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 2,041 | $1.5M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,186 | $208K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,261 | $763K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 3,186 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,261 | — |
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."
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.