| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 321 N CLARK STREET, STE 940 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $124K | $0 | $124K | 6.01% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | — | $42K | $42K | 2.29% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $18K | — | $18K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING IMC | 29840 NETWORK PL CHICAGO, IL 60673 | UNITED HEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 1.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-MINNEAPOLIS | 8200 TOWER STE 1100 5600 WEST 83RD STREET MINNEAPOLIS, MN 55437 | UNITED HEALTHCARE INSURANCE COMPANY | $211 | — | $211 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 333 S 7TH STREET SUITE 1400 MINNEAPOLIS, MN 554020119 | UNITED HEALTHCARE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | — | $19K | $19K | 2.29% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 1.00% |
| 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 | $602 | $0 | $602 | 1.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MINNESOTA EIN 41-0984460 NONE | Other fees; Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Legal Service code 12 | — | $4.7M |
| STAYWELL CORPORATION NONE | Contract Administrator; Direct payment from the plan Service code 13 | 3000 AMES CROSSING ROAD ST. PAUL, MN 55048 | $810K |
| SEDGWICK CLAIMS MANAGEMENT SERVICES NONE | Contract Administrator; Direct payment from the plan Service code 13 | 1100 RIDGEWAY LOOP ROAD MEMPHIS, TN 38120 | $573K |
| GRAND ROUNDS EIN 45-3580052 NONE | Other services; Valuation (appraisals, etc.); Direct payment from the plan Service code 34 | — | $410K |
| 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 | $379K |
| PRIME THERAPEUTICS, INC. EIN 41-1892844 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator; Float revenue Service code 12 | — | $302K |
| SELECTACCOUNT NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | MII LIFE, INC P.O. BOX 64193 ST. PAUL, MN 551640193 | $291K |
| DELTA DENTAL OF MINNESOTA EIN 41-1905554 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $287K |
| KNOVA SOLUTIONS EIN 27-1478411 NONE | Other services; Participant communication; Direct payment from the plan Service code 38 | — | $271K |
| EMPATHIA NONE | Contract Administrator; Direct payment from the plan Service code 13 | W24100 RIVERWOOD DRIVE WAUKESHA, WI 53188 | $166K |
| HCMS NONE | Direct payment from the plan; Consulting fees Service code 50 | 415 W 17TH ST., SUITE 250 CHEYENNE, WY 82001 | $118K |
| AON HEWITT NONE | Consulting fees; Direct payment from the plan; Actuarial Service code 11 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | $98K |
| HEALTH EFX NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting fees; Direct payment from the plan Service code 15 | 6121 BAKER ROAD, SUITE 104 MINNEAPOLIS, MN 55345 | $69K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $21K |
| WELLS FARGO EIN 94-1347393 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $12K |
| 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 | 10,852 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 123 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,975 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 6,321 | $1.1M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 9,703 | $2.7M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,393 | $2.1M |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 10,852 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,852 | — |
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.