| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELE HREN3 | 50 SOUTH 6TH STREET SUITE 975 MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $15K | — | $15K | 3.75% |
| ACG BENEFITS & RISK CONSULTING INC3 Filed as: ACG - BENEFITS & RISK CONSULTING | 50 SOUTH SIXTH STREET SUITE 975 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MINNESOTA | $4K | — | $4K | 5.29% |
| HREN, MICHELE3 Filed as: HREN, MICHELLE | 50 SOUTH 6TH STREET SUITE 975 MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| HREN, MICHELE3 | 50 SOUTH 6TH STREET SUITE 975 MINNEAPOLIS, MN 554021557 | RELIASTAR LIFE INSURANCE COMPANY | $5K | — | $5K | 12.15% |
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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 79 | $67K |
| Vision | VISION SERVICE PLAN | 136 | $23K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 256 | $37K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 229 | $44K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 502 | $390K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 256 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.