| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS CONSULTING LLC3 | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | SECURIAN LIFE INSURANCE COMPANY | $0 | $14K | $14K | 1.69% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 99 PARK AVE, 25TH FLOOR NEW YORK, NY 10016 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $7K | $7K | 1.53% |
| AMERICAN BENEFITS CONSULTING LLC3 | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | SECURIAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.69% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $2K | $2K | 1.52% |
| AMERICAN BENEFITS CONSULTING LLC3 | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | SECURIAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.77% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $434 | $434 | 1.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | PO BOX 310502 DES MOINES, IA 503310502 | HYATT LEGAL PLANS | $1K | $1K | $3K | 19.33% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $155 | $155 | 1.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBSMN, INC. EIN 41-0984460 INSURANCE CARRIER | Contract Administrator; Legal; Other fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.2M |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 PLAN ADMINISTRATOR | Direct payment from the plan; Float revenue; Other services; Contract Administrator; Participant communication; Named fiduciary; Non-monetary compensation; Claims processing Service code 12 | — | $644K |
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $54K |
| HEALTH & HUMAN RESOURCE CENTER, INC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $186 |
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 | 3,166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 68 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 308 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSMN, INC. DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 4,383 | $0 |
| Dental | DDMN ASO, LLC | 6,452 | $1.4M |
| Vision | VISION SERVICE PLAN | 2,800 | $332K |
| Life insurance(3 contracts) | SECURIAN LIFE INSURANCE COMPANY | 4,407 | $1.3M |
| Short-term disability(3 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,519 | $198K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,980 | $467K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,195 | $489K |
| Other(2 contracts, 2 carriers) | HYATT LEGAL PLANS | 69 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,452 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.