| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, ID 60673 | SECURIAN LIFE INSURANCE COMPANY | — | $44K | $44K | 2.43% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 5600 WEST 83RD ST 8200 TOWER STE 1100 MINNEAPOLIS, MN 55437 | SECURIAN LIFE INSURANCE COMPANY | $18K | — | $18K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-MINNEAPOLIS | 8200 TOWER STE 1100 5600 WEST 83RD STREET MINNEAPOLIS, MN 55437 | UNITED HEALTHCARE INSURANCE COMPANY | $57K | — | $57K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD # 635 WOODLAND HILLS, CA 91367 | STANDARD LIFE INSURANCE COMPANY | $75K | — | $75K | 7.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 321 N CLARK STREET, STE 940 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45K | — | $45K | 5.20% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $0 | $20K | $20K | 2.43% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 5600 WEST 83RD STREET 8200 TOWER STE 1100 MINNEAPOLIS, MN 55437 | SECURIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $423 | — | $423 | 1.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 321 N CLARK STREET, STE 940 CHICAGO, IL 60654 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $207 | — | $207 | 2.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MINNESOTA EIN 41-0984460 NONE | Float revenue; Other fees; Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $4.9M |
| STAYWELL CORPORATION NONE | Direct payment from the plan; Contract Administrator Service code 13 | 3000 AMES CROSSING ROAD ST. PAUL, MN 55048 | $469K |
| GRAND ROUNDS EIN 45-3580052 NONE | Valuation (appraisals, etc.); Direct payment from the plan; Other services Service code 34 | — | $453K |
| REDBRICK HEALTH EIN 20-5250594 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $436K |
| PRIME THERAPEUTICS, INC. EIN 41-1892844 NONE | Other fees; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $332K |
| SELECTACCOUNT NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | MII LIFE, INC P.O. BOX 64193 ST. PAUL, MN 551640193 | $312K |
| DELTA DENTAL OF MINNESOTA EIN 41-1905554 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $295K |
| BENEFITFOCUS NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | $246K |
| EMPATHIA NONE | Direct payment from the plan; Contract Administrator Service code 13 | W24100 RIVERWOOD DRIVE WAUKESHA, WI 53188 | $172K |
| SEDGWICK CLAIMS MANAGEMENT SERVICES NONE | Direct payment from the plan; Contract Administrator Service code 13 | 1100 RIDGEWAY LOOP ROAD MEMPHIS, TN 38120 | $163K |
| HCMS NONE | Direct payment from the plan; Consulting fees Service code 50 | 415 W 17TH ST., SUITE 250 CHEYENNE, WY 82001 | $118K |
| KNOVA SOLUTIONS EIN 27-1478411 NONE | Direct payment from the plan; Other services; Participant communication Service code 38 | — | $108K |
| THE STANDARD INSURANCE COMPANY EIN 43-4119477 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $100K |
| AON HEWITT NONE | Direct payment from the plan; Consulting fees Service code 50 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | $45K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $18K |
| WELLS FARGO EIN 94-1347393 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $12K |
| HEALTH EFX NONE | Direct payment from the plan; Consulting fees Service code 50 | 6121 BAKER ROAD, SUITE 104 MINNEAPOLIS, MN 55345 | $9K |
| WAGEWORKS NONE | Other services Service code 49 | 1100 PARK PLACE 4TH FLOOR SAN MATEO, CA 94403 | $0 |
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 | 9,664 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 204 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,868 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 73 | $23K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 6,482 | $1.2M |
| Life insurance(3 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 9,685 | $2.6M |
| Long-term disability(2 contracts, 2 carriers) | STANDARD LIFE INSURANCE COMPANY | 5,751 | $1.9M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 3,676 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,685 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.