| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACIUS CONSULTING GROUP3 Filed as: ACIUS GROUP | — | MINNESOTA LIFE INSURANCE COMPANY | $0 | $165K | $165K | 1.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE US CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $59K | $59K | 0.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Contract Administrator; Claims processing Service code 12 | — | $10.4M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Contract Administrator; Claims processing Service code 12 | — | $1.4M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Participant communication; Float revenue; Named fiduciary; Contract Administrator; Non-monetary compensation; Claims processing; Other services; Direct payment from the plan Service code 12 | — | $1.1M |
| VALUEOPTIONS, INC. EIN 54-1414194 NONE | Insurance services Service code 23 | — | $891K |
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 | 21,068 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,593 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 23,661 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,648 | $513K |
| Vision | VISION SERVICE PLAN | 18,640 | $4.4M |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 30,081 | $13.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 21,020 | $6.0M |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 36,232 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 36,232 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.