| 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 | $120K | $0 | $120K | 8.23% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $13K | $29K | $42K | 3.20% |
| AON CONSULTING INC4 Filed as: AON CONSULTING, INC | 44 WHIPPANY ROAD MORRISTOWN, NJ 07960 | BCBSMN, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $0 | $43K | $43K | 7.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $6K | $13K | $19K | 3.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47T ST, STE 900 KANSAS CITY, MO 64112 | NATIONAL UNION FIRE INS CO. OF PITTSBURGH, PA | $0 | $6K | $6K | 15.00% |
| 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 | $471 | $0 | $471 | 2.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MINNESOTA EIN 41-0984460 NONE | Claims processing; Direct payment from the plan; Legal; Contract Administrator; Other fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $3.2M |
| SEDGWICK CLAIMS MANAGEMENT SERVICES NONE | Direct payment from the plan; Contract Administrator Service code 13 | 1100 RIDGEWAY LOOP ROAD MEMPHIS, TN 38120 | $429K |
| 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 | $378K |
| STAYWELL CORPORATION NONE | Contract Administrator; Direct payment from the plan Service code 13 | 3000 AMES CROSSING ROAD ST. PAUL, MN 55048 | $371K |
| GRAND ROUNDS EIN 45-3580052 NONE | Direct payment from the plan; Valuation (appraisals, etc.); Other services Service code 34 | — | $315K |
| PRIME THERAPEUTICS, INC. EIN 41-1892844 NONE | Other fees; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $264K |
| KNOVA SOLUTIONS EIN 27-1478411 NONE | Participant communication; Other services; Direct payment from the plan Service code 38 | — | $263K |
| DELTA DENTAL OF MINNESOTA EIN 41-1905554 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $214K |
| SELECTACCOUNT NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | MII LIFE, INC P.O. BOX 64193 ST. PAUL, MN 551640193 | $211K |
| EMPATHIA NONE | Contract Administrator; Direct payment from the plan Service code 13 | W24100 RIVERWOOD DRIVE WAUKESHA, WI 53188 | $125K |
| HCMS NONE | Consulting fees; Direct payment from the plan Service code 50 | 415 W 17TH ST., SUITE 250 CHEYENNE, WY 82001 | $76K |
| AON HEWITT NONE | Direct payment from the plan; Actuarial; Consulting fees Service code 11 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | $70K |
| HEALTH EFX NONE | Consulting fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 6121 BAKER ROAD, SUITE 104 MINNEAPOLIS, MN 55345 | $59K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $21K |
| WELLS FARGO EIN 94-1347393 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $13K |
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 | 7,597 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BCBSMN, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 7,618 | $613K |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 6,553 | $1.9M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,452 | $1.5M |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INS CO. OF PITTSBURGH, PA | 7,597 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,618 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.