| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN NAGEL3 | MINNESOTA BENEFIT ADVISORS INC 17965 718TH AVE DASSEL, MN 55325 | HEALTHPARTNERS ADMINISTRATORS INC | $170K | $10K | $180K | 17.40% |
| MINNESOTA BENEFIT ADVISORS INC3 | 17965 718TH AVE DASSEL, MN 55325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.34% |
| MINNESOTA BENEFIT ADVISORS INC3 | PO BOX 363 DASSEL, MN 55325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 15.00% |
| MINNESOTA BENEFIT ADVISORS INC3 | 17965 718TH AVE DASSEL, MN 55325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 8.84% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $91 | $4K | 3.84% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $98 | — | $98 | 0.10% |
| MINNESOTA BENEFIT ADVISORS INC3 | 17965 718TH AVE DASSELL, MN 55325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 15.00% |
| MINNESOTA BENEFIT ADVISORS INC3 Filed as: MINNESOTA BENEFIT ADVISORS | 17965 718 AVE DASSEL, MN 55325 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 9.36% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $28 | $1K | 3.07% |
| CARUTH, JENNON, M3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.19% |
| MINNESOTA BENEFIT ADVISORS INC3 | PO BOX 363 DASSEL, MN 55325 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 | 586 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS ADMINISTRATORS INC | 469 | $1.0M |
| Dental | HEALTHPARTNERS ADMINISTRATORS INC | 469 | $1.0M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 267 | $32K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 586 | $289K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 586 | $242K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $79K |
| Stop-loss / reinsurancereinsurance | HEALTHPARTNERS ADMINISTRATORS INC | 469 | $1.0M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 586 | $447K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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.