| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN NAGEL3 | MINNESOTA BENEFIT ADVISORS INC 17965 718TH AVE DASSEL, MN 55325 | HEALTHPARTNERS ADMINISTRATORS INC | $192K | $10K | $202K | 19.71% |
| MINNESOTA BENEFIT ADVISORS INC3 | 17965 718TH AVE DASSEL, MN 55325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.93% |
| MINNESOTA BENEFIT ADVISORS INC3 | 17965 718TH AVE DASSEL, MN 55325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 9.44% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $251 | $4K | 4.24% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $80 | — | $80 | 0.08% |
| MINNESOTA BENEFIT ADVISORS INC3 | 17965 718TH AVE DASSELL, MN 55325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 15.00% |
| MINNESOTA BENEFIT ADVISORS INC3 Filed as: MINNESOTA BENEFIT ADVISORS | 17965 718 AVE DASSEL, MN 55325 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 11.61% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $188 | $2K | 3.56% |
| CARUTH, JENNON, M3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $105 | — | $105 | 0.22% |
| MINNESOTA BENEFIT ADVISORS INC3 | 17965 718TH AVE DASSEL, MN 55325 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.19% |
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 | 621 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS ADMINISTRATORS INC | 492 | $1.0M |
| Dental | HEALTHPARTNERS ADMINISTRATORS INC | 492 | $1.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 260 | $34K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 621 | $289K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 621 | $242K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $85K |
| Stop-loss / reinsurancereinsurance | HEALTHPARTNERS ADMINISTRATORS INC | 492 | $1.0M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 621 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.