| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OCHS INC3 | 400 ROBERT ST NORTH SUITE 1880 ST. PAUL, MN 55101 | MINNESOTA LIFE INSURANCE COMPANY | — | $34K | $34K | 12.60% |
| NATIONAL INSURANCE SRVCS OF WI INC3 | 250 SOUTH EXECUTIVE DR BROOKFIELD, WI 53005 | MINNESOTA LIFE INSURANCE COMPANY | $23K | — | $23K | 8.75% |
| NATIONAL INSURANCE SERVICES OF WI3 | 250 SOUTH EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WI 53005 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $5K | — | $5K | 5.70% |
| OCHS INC3 | 400 ROBERT ST NORTH SUITE 1880 ST. PAUL, MN 55101 | MINNESOTA LIFE INSURANCE COMPANY | — | $1K | $1K | 12.60% |
| NATIONAL INSURANCE SRVCS OF WI INC3 | 250 SOUTH EXECUTIVE DR BROOKFIELD, WI 53005 | MINNESOTA LIFE INSURANCE COMPANY | $1K | — | $1K | 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 | 1,804 | 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) | 1,807 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,462 | $230K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 1,787 | $280K |
| Long-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | 1,768 | $87K |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 1,564 | $604K |
| Other(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 1,787 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,787 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.