| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSOLIDATED BENEFITS INC3 | 2500 ELMERTON AVE HARRISBURG, PA 17110 | BCS INSURANCE COMPANY | — | $28K | $28K | 5.00% |
| OCHS INC3 | 400 ROBERT ST NO SUITE 1880 ST. PAUL, MN 55101 | MINNESOTA LIFE INSURANCE COMPANY | — | $16K | $16K | 12.60% |
| NATIONAL INSURANCE SRVCS OF WI INC3 | 250 SO EXECUTIVE DR BROOKFIELD, WI 53005 | MINNESOTA LIFE INSURANCE COMPANY | $11K | — | $11K | 8.75% |
| NATIONAL INSURANCE SERVICES OF WI3 | 250 SO EXECUTIVE DRIVE BROOKFIELD, WI 53005 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $3K | — | $3K | 5.70% |
| OCHS INC3 | 400 ROBERT ST NO SUITE 1880 ST. PAUL, MN 55101 | MINNESOTA LIFE INSURANCE COMPANY | — | $594 | $594 | 12.61% |
| NATIONAL INSURANCE SRVCS OF WI INC3 | 250 SO EXECUTIVE DR BROOKFIELD, WI 53005 | MINNESOTA LIFE INSURANCE COMPANY | $412 | — | $412 | 8.75% |
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 | 1,052 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,055 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 900 | $133K |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 1,052 | $128K |
| Long-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | 1,062 | $45K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 954 | $555K |
| Other(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 1,052 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,062 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.