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Form 5500 · Employee benefit plan · EAGAN, MN

TWIN CITIES BAKERY WORKERS HEALTH AND WELFARE FUND

TWIN CITIES BAKERY WORKERS HEALTH AND WELFARE FUND of EAGAN, MN is a 918-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is SUPERIOR BENEFIT ADVISORS LLC. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in December.

Benefits broker of record
Policy year ends
Decemberas filed for plan year 2025

Sourced from U.S. DOL EFAST2 Form 5500 · EIN 41-1400411 · plan 501 · plan year 2025, filed Jul 15, 2026

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1,865 other employer plans in Minnesota have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.

How this plan is funded

Fully insured as reported

The plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.

All participants at the start of the year
918
Active at start of year
914
Active at end of year
870
Disclosed commissions
$104,507
Typical renewal
January 1

Benefits declared on this filing

Healthinsured — UNITEDHEALTHCARE INSURANCE COMPANY1,875 of 918 participants
Dentaldeclared, not on Schedule A
Visionnot declared on this filing
Lifeinsured — UNITEDHEALTHCARE INSURANCE COMPANY667 of 918 participants (73%)
Disabilityinsured — THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA705 of 918 participants (77%)

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, life and disability; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 1,875 people.

The filing declares health, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.

Reported premium across the insured contracts is $10,387,959, with $104,507 in disclosed broker commissions — about 1% of premium.

The most recent policy period ended in December, and the plan year ends September 30. Group contracts typically renew on that annual cycle.

SUPERIOR BENEFIT ADVISORS LLC is the broker of record on 2 of the 3 contracts; the rest name a different broker or none.

Schedule A insurance contracts

CarrierBenefitsCoveredRenewsPremiumCommission
UNITEDHEALTHCARE INSURANCE COMPANYHealth1,875Jan 1, 2025$10,242,017$104,507
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICADisability705Jan 1, 2025$112,506$0
UNITEDHEALTHCARE INSURANCE COMPANYLife667Jan 1, 2025$33,436$0

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.

See the filing at the Department of Labor

Administrator and service providers

Plan administrator on the filing
FORMULA CORPORATION
EIN 41-1559435
FORMULA CORPORATION
Contract administrator · Claims processing · EIN 41-1559435
$304,404
paid directly by the plan

The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.

Money the plan held and paid out

Plan assets at year end
$4,011,999
Paid out in benefits
$12,822,174
Paid to insurance carriersSchedule H, line 2e(2)
$10,403,873
Accountant's opinion (Schedule H, line 3a)
Unmodified
Audit fee
$42,178

Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H

These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.

How this plan compares

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Renewal calendar

1,865 other employer plans in Minnesota are January 1 renewals (policy year ends December).

Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.

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