| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD MENDOTA HEIGHTS, MN 55120 | MEDICA INSURANCE COMPANY | $47K | $2K | $49K | 5.04% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD ST CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $102 | $4K | 7.64% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON ROAD ROYALTON, MN 56373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $309 | $3K | 5.30% |
| ASHLEY MARIA HOUTMAN3 | 3108 WESTEDGE BLVD MOUND, MA 55364 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $988 | $297 | $1K | 2.68% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $629 | $609 | $1K | 2.59% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $727 | $267 | $994 | 2.08% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | $116 | $445 | 0.93% |
| KLEIN FINANCIAL BENEFITS INC3 Filed as: KLEIN INSURANCE AGENCY INC | PO BOX 307 EAGLE BEND, MN 56446 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $367 | — | $367 | 0.77% |
| ANDREW JAMIN GRIMSLEY3 | 1639 GOETTENS WAY SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | $19 | $337 | 0.70% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $143 | $274 | 0.57% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | $50 | $258 | 0.54% |
| JEFFREY MICHAEL OURADNIK3 | PO BOX 578 NISSWA, MN 56468 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $212 | — | $212 | 0.44% |
| CURTIS LARSON3 | 11626 YUKON ST NW COON RAPIDS, MN 55433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | — | $207 | 0.43% |
| RYAN CHISTOPHER TRUCHON3 | 11954 YELLOWPINE ST NW COON RAPIDS, MN 55448 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $24 | $166 | 0.35% |
| JON OLSON3 | 8662 CARRIAGE HILL RD SAVAGE, MN 56501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | $7 | $161 | 0.34% |
| MELISSA ARMATIS3 Filed as: MELISSA JEAN WOKASCH | 900 NORTH SHORE DR DETROIT LAKES, MA 56501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 0.14% |
| TYLER HERRINGTON TORBETT3 Filed as: TYLER JAMES JENDRO | 2019 4TH AVE N APT 202 SAUK RAPIDS, MN 56379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.10% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $12 | $30 | 0.06% |
| RODNEY JOSEPH STASKA3 | 223 57TH AVE NE WILLMAR, MN 56201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.06% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | 25486 PELICAN LAKE ROAD GLENWOOD, MN 56334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| ZACHARY GUSTAFSON3 Filed as: ZACHARY GUSTOFSON | 9699 201 ST AVE NW ELK RIVER, MN 55330 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| ZACHARY JAMES HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| CARRIE S FLATEN3 | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD MENDOTA HEIGHT, MN 55120 | STANDARD INSURANCE COMPANY | $5K | $634 | $6K | 12.40% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DR NW STE 100 ROCHESTER, MN 559015028 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 5.49% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD ST CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $33 | $1K | 7.01% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON ROAD ROYALTON, MN 56373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $725 | $94 | $819 | 4.84% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | $126 | $455 | 2.69% |
| ASHLEY MARIA HOUTMAN3 | 3108 WESTEDGE BLVD MOUND, MN 55364 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | $91 | $394 | 2.33% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $202 | $186 | $388 | 2.29% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $39 | $148 | 0.87% |
| JON OLSON3 | 8662 CARRIAGE HILL RD SAVAGE, MN 55378 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | $6 | $139 | 0.82% |
| KLEIN FINANCIAL BENEFITS INC3 Filed as: KLEIN INSURANCE AGENCY INC | PO BOX 307 EAGLE BEND, MN 56446 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 0.63% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $47 | $92 | 0.54% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $17 | $87 | 0.51% |
| JEFFREY MICHAEL OURADNIK3 | PO BOX 578 NISSWA, MN 56468 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $0 | $71 | 0.42% |
| CURTIS LARSON3 | 11626 YUKON ST NW COON RAPIDS, MN 55433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.41% |
| MELISSA ARMATIS3 Filed as: MELISSA JEAN WOKASCH | 900 NORTH SHORE DR DETROIT LAKES, MN 56501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.20% |
| RODNEY JOSEPH STASKA3 | 223 57TH AVE NE WILLMAR, MN 56201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $4 | $10 | 0.06% |
| TYLER HERRINGTON TORBETT3 Filed as: TYLER JAMES JENDRO | 2019 4TH AVE N APT 202 SAUK RAPIDS, MN 56379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.04% |
| ANDREW JAMIN GRIMSLEY3 | 1639 GOETTENS WAY SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.04% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | 24586 PELICAN LAKE ROAD GLENWOOD, MN 56334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| ZACHARY GUSTAFSON3 | 9699 201 ST AVE NW ELK RIVER, MN 55330 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| CARRIE S FLATEN3 | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 195 | $968K |
| Dental | HUMANA INSURANCE COMPANY | 89 | $46K |
| Vision | STANDARD INSURANCE COMPANY | 88 | $47K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 88 | $112K |
| Long-term disability | STANDARD INSURANCE COMPANY | 88 | $47K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 88 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.