| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | $131K | — | $131K | 6.75% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 1820 E 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | HARTFORD LIFE AND ACCIDENT | $118K | — | $118K | 6.06% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $15K | $15K | 0.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 801 SOUTH FIGUEROA STREET, SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $15K | $15K | 0.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93076 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 0.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF AMERICAS NEW YORK, NY 10036 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $44K | $47K | $90K | 5.42% |
| LOCKTON COMPANIES, LLC3 | 5500 WAYZATA BOULEVARD MINNEAPOLIS, MN 55416 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $13K | — | $13K | 8.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 93076 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 1.80% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | TLIC | $27K | — | $27K | 64.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 35371 NETWORK PLACE CHICAGO, IL 60673 | TLIC | $14K | — | $14K | 34.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF MN EIN 41-0984460 ADMINISTRATOR | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Legal Service code 12 | — | $697K |
| DDMN ASO, LLC EIN 41-1852523 DENTAL ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $80K |
| WEX FSA ADMINISTRATOR | Contract Administrator Service code 13 | 4321 20TH AVENUE SOUTH 701-969-6706 FARGO, ND 58103 | $37K |
| LOCKTON COMPANIES, LLC BROKER | Insurance agents and brokers Service code 22 | 444 W 47TH ST., SUITE 900 KANSAS CITY, MO 64112 | $27K |
| WILLIS TOWERS WATSON MIDWEST, INC. BROKER | Insurance agents and brokers Service code 22 | 8400 NORMANDALE LAKE BVLD BLOOMINGTON, MN 55437 | $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 | 2,506 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 2,924 | $1.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,412 | $143K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,885 | $2.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,885 | $1.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,885 | $1.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 2,885 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,924 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.