| 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 | $53K | $648 | $54K | 5.07% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 2048 SUPERIOR DR DW STE 100 ROCHESTER, MN 55901 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 4.37% |
| JACQUELINE BARTHELEMY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $348 | $2 | $350 | 1.85% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $301 | — | $301 | 1.59% |
| MARC A GROVE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $41 | $137 | 0.72% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $42 | $104 | 0.55% |
| KLEIN FINANCIAL BENEFITS INC3 Filed as: KLEIN INSURANCE AGENCY INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.37% |
| ASHLEY MARIA HOUTMAN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.34% |
| ELIZABETH MARIE LANGEVIN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.34% |
| MEGHAN MOFFATT LUCAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.30% |
| JILL R LAMBERT3 Filed as: JILL R. LAMBERT | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.20% |
| TYLER HERRINGTON TORBETT3 Filed as: TYLER JAMES JENDRO | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.04% |
| ZACKARY JAMES HALLER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| ANDREW JAMIN GRIMSLEY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| RYAN BENEFITS INC3 Filed as: RYAN CHRISTOPHER TRUCHON | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| ROBERT SCOTT BRUNER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| CARRIE S FLATEN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| TYLER HERRINGTON TORBETT3 Filed as: TYLER JAMES JENDRO | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | — | STANDARD INSURANCE COMPANY | $2K | $351 | $2K | 11.23% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON RD. ROYALTON, MN 56373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $2 | $111 | 1.96% |
| NORTH RISK PARTNERS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | — | $102 | 1.80% |
| MARC A GROVE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $22 | $53 | 0.93% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $20 | $43 | 0.76% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS INC. | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $23 | $41 | 0.72% |
| KLEIN FINANCIAL BENEFITS INC3 Filed as: KLEIN INSURANCE AGENCY INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.55% |
| ELIZABETH MARIE LANGEVIN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.42% |
| ASHLEY MARIA HOUTMAN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.26% |
| MEGHAN MOFFATT LUCAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.25% |
| JILL R LAMBERT3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.16% |
| TYLER HERRINGTON TORBETT3 Filed as: TYLER JAMES JENDRO | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.04% |
| CARRIE S FLATEN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 186 | $1.1M |
| Dental | HUMANA INSURANCE COMPANY | 96 | $69K |
| Vision | STANDARD INSURANCE COMPANY | 80 | $18K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 80 | $43K |
| Short-term disability | STANDARD INSURANCE COMPANY | 80 | $18K |
| Long-term disability | STANDARD INSURANCE COMPANY | 80 | $18K |
| Other(4 contracts, 3 carriers) | HEALTHPARTNERS INSURANCE COMPANY | 186 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.