| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | BCBSMN, INC DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $91K | $23K | $114K | 18.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | MII LIFE | $40K | — | $40K | 15.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBSMN EIN 41-0984460 CLAIMS PROCESSING | Claims processing; Insurance brokerage commissions and fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Insurance agents and brokers; Other fees Service code 12 | — | $361K |
| COMPREHENSIVE CARE SERVICES, INC. EIN 41-1427596 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $145K |
| DELTA DENTAL OF MINNESOTA EIN 41-1905554 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $42K |
| PLANNED ADMINISTRATORS INC. EIN 57-0718839 CONTRACT ADMINISTRATOR | Contract Administrator; Other commissions; Claims processing Service code 12 | — | $21K |
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 | 1,802 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,812 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BCBSMN, INC DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 932 | $864K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 932 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.