Form 5500 · Employee benefit plan · ST. PAUL, MN
PCS FOR PEOPLE
The filing calls this plan PCS FOR PEOPLE HEALTH AND WELFARE PLAN.
Public Form 5500 records show how PCS FOR PEOPLE of ST. PAUL, MN, a retail employer, structures its employee benefits. Its broker of record is MARSH & MCLENNAN AGENCY LLC. Coverage is written through BLUE CROSS AND BLUE SHIELD OF MINNESOTA and 2 other carriers. The plan's most recent policy period ended in October.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 26-2066045 · plan 501 · plan year 2024, filed Apr 9, 2025
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 3 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS AND BLUE SHIELD OF MINNESOTA, covers 116 people.
Reported premium across the insured contracts is $683,369, with $54,128 in disclosed broker commissions — about 7.9% of premium.
The most recent policy period ended in October, and the plan year ends October 31. Group contracts typically renew on that annual cycle.
MARSH & MCLENNAN AGENCY LLC is the broker of record on all 3 contracts.
3 carriers appear on the filing, including BLUE CROSS AND BLUE SHIELD OF MINNESOTA, EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. and METROPOLITAN LIFE INSURANCE COMPANY. BLUE CROSS AND BLUE SHIELD OF MINNESOTA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF MINNESOTA | Health | 116 | Nov 1, 2024 | $677,708 | $36,853 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Life, Disability | 76 | Nov 1, 2024 | — | $16,409 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 97 | Nov 1, 2024 | $5,661 | $866 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Other plans filed by this employer
How this plan compares
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