| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REISHUS, MICHAEL3 | NORTH RISK PARTNERS, LLC 622 ROOSEVELT RD. ST. CLOUD, MN 56301 | HEALTHPARTNERS INSURANCE COMPANY | $52K | $11K | $63K | 6.04% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | — | STANDARD INSURANCE COMPANY | $10K | $3K | $13K | 12.68% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 2048 SUPERIOR DR DW STE 100 ROCHESTER, MN 55901 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $756 | — | $756 | 3.04% |
| JACQUELINE BARTHELEMY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $623 | $17 | $640 | 2.57% |
| MARC A GROVE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $332 | $177 | $509 | 2.04% |
| ASHLEY MARIA HOUTMAN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | $21 | $266 | 1.07% |
| ELIZABETH MARIE LANGEVIN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | $3 | $116 | 0.47% |
| MEGHAN MOFFATT LUCAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $6 | $108 | 0.43% |
| KLEIN FINANCIAL BENEFITS INC3 Filed as: KLEIN INSURANCE AGENCY INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.39% |
| JILL R LAMBERT3 Filed as: JILL R. LAMBERT | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $2 | $67 | 0.27% |
| ZACKARY JAMES HALLER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $1 | $35 | 0.14% |
| MELISSA ARMATIS3 Filed as: MELISSA JEAN WOKASCH | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.07% |
| ROBERT SCOTT BRUNER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $9 | $18 | 0.07% |
| TYLER HERRINGTON TORBETT3 Filed as: TYLER JAMES JENDRO | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.06% |
| ANDREW JAMIN GRIMSLEY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| RYAN BENEFITS INC3 Filed as: RYAN CHRISTOPHER TRUCHON | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| TERESA BURNETT3 Filed as: TERESA MARIE HEAD | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| MICHELLE J HALLER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.02% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| CARRIE S FLATEN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARC A GROVE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | $114 | $282 | 3.41% |
| NORTH RISK PARTNERS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $253 | $0 | $253 | 3.06% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON RD. ROYALTON, MN 56373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | $8 | $221 | 2.68% |
| ELIZABETH MARIE LANGEVIN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $1 | $43 | 0.52% |
| KLEIN FINANCIAL BENEFITS INC3 Filed as: KLEIN INSURANCE AGENCY INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.47% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN MOFFATT LUCH | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $2 | $32 | 0.39% |
| ASHLEY MARIA HOUTMAN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $1 | $24 | 0.29% |
| JILL R LAMBERT3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $1 | $21 | 0.25% |
| MELISSA ARMATIS3 Filed as: MELISSA JEAN WOKASCH | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.13% |
| ROBERT SCOTT BRUNER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | 0.07% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.05% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| TYLER HERRINGTON TORBETT3 Filed as: TYLER JAMES JENDRO | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| CARRIE S FLATEN3 Filed as: CARRIE S FLATER | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| ANDREW JAMIN GRIMSLEY3 | — | 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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 167 | $1.0M |
| Dental | HUMANA INSURANCE COMPANY | 89 | $70K |
| Vision | STANDARD INSURANCE COMPANY | 83 | $102K |
| Life insurance(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 83 | $135K |
| Short-term disability | STANDARD INSURANCE COMPANY | 83 | $102K |
| Long-term disability | STANDARD INSURANCE COMPANY | 83 | $102K |
| Other(4 contracts, 3 carriers) | HEALTHPARTNERS INSURANCE COMPANY | 167 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.