| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVE, STE 1800 MINNEAPOLIS, MN 55402 | HCC LIFE INSURANCE COMPANY | $43K | $39K | $82K | 9.48% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | HCC LIFE INSURANCE COMPANY | $44K | — | $44K | 5.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILSON-MCSHANE CORPORATION EIN 41-0956552 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Claims processing Service code 12 | — | $470K |
| UMR, INC. EIN 39-1995276 NONE | Claims processing; Other fees Service code 12 | — | $285K |
| CVS PHARMACY INC. EIN 05-0340626 NONE | Claims processing Service code 12 | — | $26K |
| DDMN ASO LLC EIN 41-1852523 NONE | Contract Administrator; Claims processing Service code 12 | — | $25K |
| FELHABER LARSON EIN 41-0991071 NONE | Legal Service code 29 | — | $24K |
| MINNESOTA TEAMSTERS SERVICE BUREAU EIN 41-1513000 NONE | Claims processing; Contract Administrator Service code 12 | — | $18K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $16K |
| FOX ROTHSCHILD LLP NONE | Legal Service code 29 | 222 S. NINTH STREET, SUITE 200 MINNEAPOLIS, MN 554023338 | $16K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Actuarial Service code 11 | — | $10K |
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 | 1,194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 1,191 | $43K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 858 | $868K |
| Other | UNION LABOR LIFE INSURANCE COMPANY | 1,191 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,191 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.