| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MN LLC DBA LEE F | 2361 HWY 36 W ST. PAUL, MN 55113 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $29K | $0 | $29K | 1.05% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP LLC | 80 S EIGHTH ST #700 MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $28K | $0 | $28K | 1.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MINNESOTA LLC | 2361 HIGHWAY 36 W SAINT PAUL, MN 55113 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $15 | $16K | 5.70% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $13K | 4.69% |
| ASSUREDPARTNERS3 Filed as: LEE F. MURPHY / ASSURED PARTNERS | 2361 HWY. 36 W SAINT PAUL, MN 55113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $745 | $9K | 4.75% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 EAST 2ND STREET 1ST FL MEDIA, PA 19063 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 3.39% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $661 | $2K | 0.95% |
| ASSUREDPARTNERS3 Filed as: LEE F. MURPHY / ASSURED PARTNERS | 2361 HWY. 36 W SAINT PAUL, MA 55113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $665 | $14K | 7.76% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 EAST 2ND STREET 1ST FL MEDIA, PA 19063 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 5.11% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $605 | $5K | 2.86% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 6711 COLUMBIA GATEWAY DR., STE 450 COLUMBIA, MD 21046 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.12% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MN | 55 E. 5TH ST., STE 500 SAINT PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.88% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS | 325 CEDAR STREET SAINT PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.00% |
No Schedule C service providers reported on this filing.
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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 422 | $2.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 702 | $283K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 380 | $35K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 437 | $379K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 437 | $199K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 437 | $199K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 437 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 702 | — |
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.