| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | — | $32K | $32K | 8.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILSON-MCSHANE CORPORATION EIN 41-0956552 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating Service code 13 | — | $281K |
| BCBSMN, INC. EIN 41-0984460 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Legal; Contract Administrator; Other fees; Claims processing Service code 12 | — | $274K |
| PRIME THERAPEUTICS EIN 26-0076803 NONE | Float revenue; Claims processing; Other fees; Other services Service code 12 | — | $46K |
| ANDREW, BRANSKY, & POOLE, P.A. EIN 41-1502219 NONE | Legal Service code 29 | — | $42K |
| WELLS FARGO EIN 23-2384840 NONE | Custodial (other than securities) Service code 18 | — | $33K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $20K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Actuarial Service code 11 | — | $10K |
| TRANSAMERICA RETIREMENT SOLUTIONS EIN 13-3689044 NONE | Custodial (securities); Investment management; Recordkeeping fees; Distribution (12b-1) fees; Float revenue; Shareholder servicing fees Service code 19 | — | $8K |
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 | 719 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 403 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 526 | $1.7M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 812 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 812 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.