| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCORD BENEFIT RESOURCES3 Filed as: ACCORD BENEFIT RESOURCES, INC. | 945 HWY 169 NORTH PLYMOUTH, MN 55441 | BLUE CROSS BLUE SHIELD - MN | $22K | — | $22K | 3.33% |
| ACCORD BENEFIT RESOURCES3 Filed as: ACCORD BENEFIT RESOURCES, INC. | 945 HWY 169 NORTH PLYMOUTH, MN 55441 | DELTA DENTAL OF MINNESOTA | $39K | — | $39K | 7.12% |
| ACCORD BENEFIT RESOURCES3 Filed as: ACCORD BENEFIT RESOURCES, INC. | 945 HWY 169 NORTH PLYMOUTH, MN 55441 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $4K | $16K | 5.41% |
| MARK KIRKBRIDE C/O ACCORD BENEFIT3 | 945 HWY 169 NORTH PLYMOUTH, MN 55441 | USABLE LIFE | $19K | — | $19K | 15.00% |
| MARK KIRKBRIDE C/O ACCORD BENEFIT3 | 945 HWY 169 NORTH PLYMOUTH, MN 55441 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD MN EIN 41-1817696 NONE | Contract Administrator Service code 13 | — | $514K |
| DELTA DENTAL OF MINNESOTA EIN 41-0952670 NONE | Contract Administrator Service code 13 | — | $149K |
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 | 1,382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD - MN | 1,324 | $645K |
| Dental | DELTA DENTAL OF MINNESOTA | 1,615 | $549K |
| Vision | HUMANA INSURANCE COMPANY | 568 | $69K |
| Life insurance | USABLE LIFE | 627 | $126K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 499 | $298K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 499 | $298K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD - MN | 1,324 | $645K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,615 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.