| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLLAND & FRANK EMPLOYEE BENEFITS3 | 131 6TH AVE S, SUITE 150 WAITE PARK, MN 56387 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $78K | $9K | $86K | 2.31% |
| MAHOWALD INSURANCE AGENCY3 | 916 W ST GERMAIN ST, SUITE 100 ST. CLOUD, MN 56301 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $24K | — | $24K | 0.63% |
| HOLLAND & FRANK EMPLOYEE BENEFITS3 | 131 6TH AVE S, SUITE 150 WAITE PARK, MN 56387 | SUN LIFE ASSURANCE COMPANY OF CANADA | $60K | — | $60K | 13.42% |
| MAHOWALD INSURANCE AGENCY3 | 916 W ST GERMAIN ST, SUITE 100 ST. CLOUD, MN 56301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 2.49% |
| HOLLAND & FRANK EMPLOYEE BENEFITS3 | 131 6TH AVE S, SUITE 150 WAITE PARK, MN 56387 | DELTA DENTAL OF MINNESOTA | $22K | — | $22K | 6.63% |
| MAHOWALD INSURANCE AGENCY3 | 916 W ST GERMAIN ST, SUITE 100 ST. CLOUD, MN 56301 | DELTA DENTAL OF MINNESOTA | $2K | — | $2K | 0.68% |
| HOLLAND & FRANK EMPLOYEE BENEFITS3 | 131 6TH AVE S, SUITE 150 WAITE PARK, MN 56387 | VISION SERVICE PLAN | $1K | — | $1K | 3.86% |
| MAHOWALD INSURANCE AGENCY3 | 916 W ST GERMAIN ST, SUITE 100 ST. CLOUD, MN 56301 | VISION SERVICE PLAN | $142 | — | $142 | 0.39% |
| HOLLAND & FRANK EMPLOYEE BENEFITS3 | 131 6TH AVE S, SUITE 150 WAITE PARK, MN 56387 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST, SUITE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $282 | $211 | $493 | — |
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 | 415 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 305 | $3.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MINNESOTA | 348 | $332K |
| Vision | VISION SERVICE PLAN | 174 | $37K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 417 | $448K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 417 | $448K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 417 | $448K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 417 | $448K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.