| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MN HEALTH INSURANCE NETWORK, INC.3 Filed as: MN HEALTH INSURANCE NETWORK | 12280 NOCOLLET AVENUE SUITE 104 BURNSVILLE, MN 55337 | HEALTHPARTNERS INSURANCE COMPANY | — | $62K | $62K | 1.78% |
| SCHATZ, TIMOTHY3 Filed as: SCHATZ TIMOTHY | 12280 NICOLLET AVE SUITE 104 BURNSVILLE, MN 55337 | HEALTHPARTNERS INSURANCE COMPANY | — | $64K | $64K | 1.84% |
| GOLDENCARE USA INC3 | 10700 COUNTY ROAD 15 SUITE 450 MINNEAPOLIS, MN 55441 | TRANSAMERICA LIFE INSURANCE COMPANY | $538 | — | $538 | 0.37% |
| AMERICAN IND MKTG3 | PO BOX 9366 YAKIMA, WA 98909 | TRANSAMERICA LIFE INSURANCE COMPANY | $535 | — | $535 | 0.37% |
| MN HEALTH INS NETWORKING INC3 | 12280 NICOLLET AVENUE SUITE 104 BURNSVILLE, MN 55337 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.80% |
| AMERICAN FIDELITY GENERAL AGENCY3 | 9000 CAMERON PARKWAY OKLAHOMA CITY, OK 73114 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 5.24% |
| MN HEALTH INSURANCE NETWORK, INC.3 Filed as: MN HEALTH INSURANCE NETWORK INC | 12280 NICOLLET AVENUE #104 BURNSVILLE, MN 55337 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 3.17% |
| ECONOMIC SERVICES, INC3 Filed as: ECONOMIC SERVICES INC | 41 SHERBURNE AVENUE SAINT PAUL, MN 55103 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 1.83% |
| EDUCATORS LIFETIME SOLUTIONS LLC3 | 440 EMERSON STREET NORTH #2 CAMBRIDGE, MN 55008 | GENWORTH LIFE INSURANCE COMPANY | $4K | — | $4K | 10.48% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 57 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTHPARTNERS INSURANCE COMPANY | 411 | $7.0M |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $106K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 147 | $89K |
| Other(5 contracts, 4 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 180 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.