| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | $13K | $29K | $42K | 3.31% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT. 3042 PO BOX 123042 DALLAS, TX 753123042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $70K | $47K | $117K | 9.41% |
| AON CONSULTING INC4 Filed as: AON CONSULTING, INC. | 44 WHIPPANY RD. SUITE 220 MORRISTOWN, NJ 07960 | BCBSMN, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | — | $47K | $47K | 7.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | SECURIAN LIFE INSURANCE COMPANY | $6K | $14K | $20K | 3.31% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF MINNESOTA | PO BOX 64560 ST. PAUL, MN 55164 | FOUR EVER LIFE INS. CO. | — | $14K | $14K | 4.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT. 3042 DALLAS, TX 753123042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.43% |
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 | 6,414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS. CO. | 75 | $342K |
| Vision | BCBSMN, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 7,656 | $676K |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 5,700 | $1.9M |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,963 | $1.3M |
| Other(3 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 6,626 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,656 | — |
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.