| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLAN GLAD3 | BENEFITS SOLUTIONS PLUS INC 2150 3RD AVE #30 ANOKA, MN 55303 | HEALTHPARTNERS INSURANCE COMPANY | — | $48K | $48K | 3.34% |
| ALLAN GLAD3 | NFP CORPORATE SERVICES INC 9655 SCHMIDT LAKE RD PLYMOUTH, MN 55442 | HEALTHPARTNERS INSURANCE COMPANY | — | $18K | $18K | 1.22% |
| HEALTHPARTERNS AGENCY3 | — | HEALTHPARTNERS INSURANCE COMPANY | — | $10K | $10K | 0.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | — | GRADIENT FINANCIAL GROUP, LLC | $2K | — | $2K | 1.59% |
| ALLAN GLAD3 | 2150 3RD AVENUE SUITE 30 ANOKA, MN 55303 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.95% |
| HIGGS FINANCIAL SERVICES INC3 | 5100 SOUTHWEST 10TH AVENUE TOPEKA, KS 66604 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.40% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $771 | — | $771 | 0.86% |
| LISA HORAK3 | 14131 NORTHWEST 74TH STREET ROSSVILLE, KS 66533 | AFLAC | $3K | $245 | $3K | 8.90% |
| WENDY RENARD3 | 24133 FAWN COURT NORTHEAST STACY, MN 55079 | AFLAC | $1K | $124 | $1K | 3.88% |
| PERRY HENAULT3 | 4323 SOUTHWEST MISTY HARBOR DRIVE TOPEKA, KS 66610 | AFLAC | $1K | $61 | $1K | 3.72% |
| CORY STILP3 | 13801 PANOLA DRIVE LINDSTROM, MN 55045 | AFLAC | $272 | $25 | $297 | 0.86% |
| LUCAS BAUMGARTNER3 | 20 LAKE STREET NORTH SUITE 220 FOREST LAKE, MN 55025 | AFLAC | $181 | $25 | $206 | 0.60% |
| ARICCA WALLACE3 | 5100 CANYON ROAD MANHATTAN, KS 66503 | AFLAC | $135 | — | $135 | 0.39% |
| MARK HARRIS3 | 3768 SOUTHWEST DEER TRAIL DRIVE TOPEKA, KS 66610 | AFLAC | $127 | — | $127 | 0.37% |
| BRAD SCHUMACHER3 | 2804 COUNTRY LANE HAYS, KS 67601 | AFLAC | $69 | $37 | $106 | 0.31% |
| NATHAN HARRISON3 | 16024 MANCHESTER ROAD 2ND FLOOR SUITE 200 ELLISVILLE, MO 63011 | AFLAC | $94 | — | $94 | 0.27% |
| BRIAN MILLS3 | 1402 WEST LUCY WEBB ROAD RAYMORE, MO 64083 | AFLAC | $89 | — | $89 | 0.26% |
| JULIA HADORN3 | 10778 SOUTH CARBONDALE STREET OLATHE, KS 66061 | AFLAC | $48 | — | $48 | 0.14% |
| TIMOTHY SCHWERDT3 | 935 SOUTHEAST TUCUMSEH ROAD TECUMSEH, KS 66542 | AFLAC | $39 | — | $39 | 0.11% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 2805 NORTH 36TH STREET BOISE, ID 83703 | AFLAC | $11 | $13 | $24 | 0.07% |
| ROBERT GELSZAT3 | 11251 EAST BELLAIRE STREET WICHITA, KS 67207 | AFLAC | $17 | — | $17 | 0.05% |
| JOSEPH GAUTHIER3 | 1835 HOULE CIRCLE CENTERVILLE, MN 55038 | AFLAC | $17 | — | $17 | 0.05% |
| WENDY HENAULT3 | 2443 SOUTHEAST CUVIER STREET TECUMSEH, KS 66542 | AFLAC | $11 | — | $11 | 0.03% |
| CLIFFORD MAYES JR3 | 800 FOREST ARMS LANE MOUND, MN 55364 | AFLAC | $10 | — | $10 | 0.03% |
| MATTHEW LORENZ3 | 1021 PROSPECT POINTE ROAD JORDAN, MN 55352 | AFLAC | $8 | — | $8 | 0.02% |
| MATTHEW YARRINGTON3 | 3226 SOUTHWEST ARROWHEAD ROAD TOPEKA, KS 66614 | AFLAC | $5 | — | $5 | 0.01% |
| PEGGY SUE LAZER3 Filed as: PEGGY LAZER | 7914 113TH AVENUE NORTH CHAMPLIN, MN 55316 | AFLAC | $4 | — | $4 | 0.01% |
| SCOTT D SWIMMER3 Filed as: SCOTT SWIMMER | 4553 WEST 138TH TERRACE LEAWOOD, KS 66224 | AFLAC | $2 | — | $2 | 0.01% |
| DARIN D PAVLISH3 Filed as: DARIN PAVLISH | 7760 FRANCE AVENUE SUITE 1162 EDINA, MN 55435 | AFLAC | $1 | — | $1 | 0.00% |
| WENDY RENARD3 | 24133 FAWN COURT NORTHEAST STACY, MN 55079 | AFLAC | $5K | $355 | $5K | 20.46% |
| CORY STILP3 | 13801 PANOLA DRIVE LINDSTROM, MN 55045 | AFLAC | $1K | $71 | $1K | 4.23% |
| LUCAS BAUMGARTNER3 Filed as: LUCAS BAUMGARNER | 20 LAKE STREET NORTH SUITE 220 FOREST LAKE, MN 55025 | AFLAC | $711 | $71 | $782 | 2.97% |
| LISA HORAK3 | 14131 NORTHWEST 74TH STREET ROSSVILLE, KS 66533 | AFLAC | $530 | $54 | $584 | 2.22% |
| JOSEPH GAUTHIER3 | 1835 HOULE CIRCLE CENTERVILLE, MN 55038 | AFLAC | $286 | — | $286 | 1.09% |
| PERRY HENAULT3 | 4323 SOUTHWEST MISTY HARBOR DRIVE TOPEKA, KS 66610 | AFLAC | $181 | $14 | $195 | 0.74% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 2805 NORTH 36TH STREET BOISE, ID 83703 | AFLAC | $32 | $46 | $78 | 0.30% |
| CLIFFORD MAYES JR3 | 800 FOREST ARMS LANE MOUNT, MN 55364 | AFLAC | $21 | — | $21 | 0.08% |
| SHELLY LUCKEN3 | 8233 WEST 133RD PLACE SAVAGE, MN 55378 | AFLAC | $20 | — | $20 | 0.08% |
| ARICCA WALLACE3 | 5100 CANYON ROAD MANHATTAN, KS 66503 | AFLAC | $18 | — | $18 | 0.07% |
| BRIAN MILLS3 | 1402 WEST LUCY WEBB ROAD RAYMORE, MO 64083 | AFLAC | $13 | — | $13 | 0.05% |
| MATTHEW LORENZ3 | 1021 PROSPECT POINTE ROAD JORDAN, MN 55352 | AFLAC | $13 | — | $13 | 0.05% |
| JULIA HADORN3 | 10778 SOUTH CARBONDALE STREET OLATHE, KS 66061 | AFLAC | $13 | — | $13 | 0.05% |
| BRAD SCHUMACHER3 | 2804 COUNTRY LANE HAYS, KS 67601 | AFLAC | $7 | $5 | $12 | 0.05% |
| CATHY J OLIVER3 Filed as: CATHY OLIVER | 14795 BOISE CIRCLE ROSEMOUNT, MN 55068 | AFLAC | $10 | — | $10 | 0.04% |
| TIMOTHY SCHWERDT3 | 935 SOUTHEAST TECUMSEH ROAD TECUMSEH, KS 66542 | AFLAC | $6 | — | $6 | 0.02% |
| PEGGY SUE LAZER3 Filed as: PEGGY LAZER | 7914 113TH AVENUE NORTH CHAMPLIN, MN 55316 | AFLAC | $6 | — | $6 | 0.02% |
| NATHAN HARRISON3 | 16024 MANCHESTER ROAD 2ND FLOOR SUITE 200 ELLISVILLE, MO 63011 | AFLAC | $4 | — | $4 | 0.02% |
| DARIN D PAVLISH3 Filed as: DARIN PAVLISH | 7760 FRANCE AVENUE SUITE 1162 EDINA, MN 55435 | AFLAC | $1 | — | $1 | 0.00% |
| WENDY HENAULT3 | 2443 SOUTHEAST CUVIER STREET TECUMSEH, KS 66542 | AFLAC | $1 | — | $1 | 0.00% |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 179 | $1.4M |
| Dental(3 contracts, 2 carriers) | GRADIENT FINANCIAL GROUP, LLC | 103 | $164K |
| Vision(3 contracts, 2 carriers) | HEALTHPARTNERS INSURANCE COMPANY | 179 | $1.5M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 320 | $150K |
| Short-term disability(2 contracts) | AFLAC | 71 | $61K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 320 | $90K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 320 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
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.