| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIFESPAN INSURANCE ADVRS INC3 Filed as: LIFESPAN INSURANCE ADVISORS INC | 5402 PARKDALE DRIVE STE 100 ST. LOUIS PARK, MN 55416 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $47K | — | $47K | 1.00% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $24K | — | $24K | 0.50% |
| BENEFIT DESIGN ASSOCIATES3 Filed as: BENEFIT DESIGN ASSOCIATES, LLC | 4924 FRANCE AVENUE S EDINA, MN 55410 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $16K | — | $16K | 0.34% |
| BENEFIT DESIGN ASSOCIATES3 Filed as: BENEFIT DESIGN ASSOCIATES, LLC | 4924 FRANCE AVENUE S EDINA, MN 55410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 12.95% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.05% |
| BENEFIT DESIGN ASSOCIATES3 | 4924 FRANCE AVENUE S EDINA, MN 55410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.31% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.98% |
| BENEFIT DESIGN ASSOCIATES3 Filed as: BENEFIT DESIGN ASSOCIATES, LLC | 4924 FRANCE AVENUE S EDINA, MN 55410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 8.53% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.47% |
| BENEFIT DESIGN ASSOCIATES3 Filed as: BENEFIT DESIGN ASSOCIATES, LLC | 4924 FRANCE AVENUE S EDINA, MN 55410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 22.26% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 19.52% |
| BENEFIT DESIGN ASSOCIATES3 Filed as: BENEFIT DESIGN ASSOCIATES, LLC | 4924 FRANCE AVENUE S EDINA, MN 55410 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | $4K | — | $4K | 9.11% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | $827 | — | $827 | 1.73% |
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 | 886 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 892 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 1,061 | $4.7M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | 794 | $48K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 886 | $301K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 886 | $229K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 886 | $229K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 886 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,061 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.