Form 5500 · Employee benefit plan · SAINT CLOUD, MN
PAN-O-GOLD BAKING CO.
PAN-O-GOLD BAKING CO. of SAINT CLOUD, MN is a 855-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is INTELLICENTS. Coverage is written through BCBSMN,INC DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 41-0679579 · plan 501 · as of Aug 2026
Plan brief
Schedule A lists 3 insured contracts covering dental, life and stop-loss; the largest, with BCBSMN,INC DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA, covers 799 people.
The only insured piece of the health benefit is stop-loss coverage — the plan itself is self-funded, so premium and commission here reflect the stop-loss contract, not medical premium.
Reported premium across the insured contracts is $1,254,081, with $48,580 in disclosed broker commissions — about 3.9% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
INTELLICENTS is the broker of record on all 3 contracts.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BCBSMN,INC DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | Stop-loss | 799 | December | $922,898 | $48,580 |
| DELTA DENTAL OF MINNESOTA | Dental | 799 | December | $48,771 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 821 | December | $282,412 | $0 |
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