| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | BLUECROSS AND BLUESHIELD OF MINNESOTA AND BLUE PLUS | $111K | — | $111K | 5.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | — | DELTA DENTAL OF KANSAS, INC. | $2K | — | $2K | 1.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 9.70% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $812 | — | $812 | 0.77% |
| WENDY RENARD3 | 24133 FAWN COURT NORTHEAST STACY, MN 55079 | AFLAC | $4K | $580 | $5K | 11.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | AFLAC | $2K | — | $2K | 4.02% |
| LUCAS BAUMGARTNER3 Filed as: LUCAS BAUMGARNER | 20 LAKE STREET NORTH SUITE 220 FOREST LAKE, MN 55025 | AFLAC | $887 | $96 | $983 | 2.52% |
| JOSEPH MOORE3 | 7289 NEWBURY DRAW WOODBURY, MN 55125 | AFLAC | $760 | $43 | $803 | 2.06% |
| CORY STILP3 | 13801 PANOLA DRIVE LINDSTROM, MN 55045 | AFLAC | $382 | $54 | $436 | 1.12% |
| ALLAN GLAD3 | 2150 3RD AVENUE SUITE 30 ANOKA, MN 55303 | AFLAC | $189 | — | $189 | 0.48% |
| LISA HORAK3 | 14131 NORTHWEST 74TH STREET ROSSVILLE, KS 66533 | AFLAC | $122 | $28 | $150 | 0.38% |
| SHANON M MCGAVER3 Filed as: SHANON MCGAVER | PO BOX 154 ELK RIVER, MN 55330 | AFLAC | $134 | — | $134 | 0.34% |
| PERRY HENAULT3 | 4323 SOUTHWEST MISTY HARBOR DRIVE TOPEKA, KS 66610 | AFLAC | $47 | — | $47 | 0.12% |
| MARK HARRIS3 | 3768 SOUTHWEST DEER TRAIL DRIVE TOPEKA, KS 66610 | AFLAC | $24 | $6 | $30 | 0.08% |
| SHELLY LUCKEN3 | 8233 WEST 133RD PLACE SAVAGE, MN 55378 | AFLAC | $22 | — | $22 | 0.06% |
| ARICCA WALLACE3 | 5100 CANYON ROAD MANHATTAN, KS 66503 | AFLAC | $19 | — | $19 | 0.05% |
| JULIA HADORN3 | 10778 SOUTH CARBONDALE STREET OLATHE, KS 66061 | AFLAC | $14 | — | $14 | 0.04% |
| JON R OVERACRE3 Filed as: JON OVERACRE | 10502 WEST 133RD TERRACE APARTMENT 107 OVERLAND PARK, KS 66213 | AFLAC | $13 | — | $13 | 0.03% |
| CATHY J OLIVER3 Filed as: CATHY OLIVER | 14795 BOISE CIRCLE ROSEMOUNT, MN 55068 | AFLAC | $11 | — | $11 | 0.03% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 2805 NORTH 36TH STREET BOISE, ID 83703 | AFLAC | $11 | — | $11 | 0.03% |
| JOSEPH GAUTHIER3 | 1835 HOULE CIRCLE CENTERVILLE, MN 55038 | AFLAC | $10 | — | $10 | 0.03% |
| MICHELLE MAGUIRE3 | 7825 WASHINGTON AVENUE SOUTH SUITE 425 MINNEAPOLIS, MN 55439 | AFLAC | $7 | — | $7 | 0.02% |
| TIMOTHY SCHWERDT3 | 935 SOUTHEAST TECUMSEH ROAD TECUMSEH, KS 66542 | AFLAC | $7 | — | $7 | 0.02% |
| SHELLY VANYO INVESTMENTS INC3 | 1421 BROADWAY STREET NORTH SUITE 108 MENOMONIE, WI 54751 | AFLAC | $5 | — | $5 | 0.01% |
| KNUTE NELSON3 | 3920 KIPLING AVENUE MINNEAPOLIS, MN 55416 | AFLAC | $5 | — | $5 | 0.01% |
| NATHAN HARRISON3 | 16024 MANCHESTER ROAD 2ND FLOOR, SUITE 200 ELLISVILLE, MO 63011 | AFLAC | $4 | — | $4 | 0.01% |
| MICHAEL A PEDERSON3 Filed as: MICHAEL PEDERSON | 101 NORTH FARWELL STREET SUITE 203 MB203 EAU CLAIRE, WI 54703 | AFLAC | $3 | — | $3 | 0.01% |
| KENNETH MORRIS JR3 | 5410 PLYMOUTH DRIVE LAWRENCE, KS 66049 | AFLAC | $2 | — | $2 | 0.01% |
| BRAD SCHUMACHER3 | 2804 COUNTRY LANE HAYS, KS 67601 | AFLAC | $2 | — | $2 | 0.01% |
| ADAM THOMAS GARDNER3 Filed as: ADAM GARDNER | 101 NORTH FARWELL STREET SUITE 203 EAU CLAIRE, WI 54703 | AFLAC | $1 | — | $1 | 0.00% |
| GREGORY F STENZEL3 Filed as: GREGORY STENZEL | 1249 KIOWA DRIVE WEST GAINESVILLE, TX 76240 | AFLAC | $1 | — | $1 | 0.00% |
| SUE TUCKER3 | 9856 US HIGHWAY 29 NORTH CUSSETA, AL 36852 | AFLAC | $1 | — | $1 | 0.00% |
| GREGORY F STENZEL3 Filed as: GREGORY STENZEL | 1249 KIOWA DRIVE WEST GAINESVILLE, TX 76240 | AFLAC | $1 | — | $1 | 0.00% |
| LISA HORAK3 | 14131 NORTHWEST 74TH STREET ROSSVILLE, KS 66533 | AFLAC | $2K | $173 | $2K | 4.87% |
| WENDY RENARD3 | 24133 FAWN COURT NORTHEAST STACY, MN 55079 | AFLAC | $713 | $72 | $785 | 2.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | AFLAC | $752 | — | $752 | 2.11% |
| PERRY HENAULT3 | 4323 SOUTHWEST MISTY HARBOR DRIVE TOPEKA, KS 66610 | AFLAC | $653 | — | $653 | 1.83% |
| MARK HARRIS3 | 3768 SOUTHWEST DEER TRAIL DRIVE TOPEKA, KS 66610 | AFLAC | $528 | $35 | $563 | 1.58% |
| JON R OVERACRE3 Filed as: JON OVERACRE | 10502 WEST 133RD TERRACE APARTMENT 107 OVERLAND PARK, KS 66213 | AFLAC | $225 | $35 | $260 | 0.73% |
| LUCAS BAUMGARTNER3 | 20 LAKE STREET NORTH SUITE 220 FOREST LAKE, MN 55025 | AFLAC | $139 | $14 | $153 | 0.43% |
| JOSEPH MOORE3 | 7289 NEWBURY DRAW WOODBURY, MN 55125 | AFLAC | $123 | $6 | $129 | 0.36% |
| ARICCA WALLACE3 | 5100 CANYON ROAD MANHATTAN, KS 66503 | AFLAC | $125 | — | $125 | 0.35% |
| NATHAN HARRISON3 | 16024 MANCHESTER ROAD 2ND FLOOR, SUITE 200 ELLISVILLE, MO 63011 | AFLAC | $74 | — | $74 | 0.21% |
| CORY STILP3 | 13801 PANOLA DRIVE LINDSTROM, MN 55045 | AFLAC | $57 | $8 | $65 | 0.18% |
| BRIAN MILLS3 | 1402 WEST LUCY WEBB ROAD RAYMORE, MO 64083 | AFLAC | $50 | — | $50 | 0.14% |
| JULIA HADORN3 | 10778 SOUTH CARBONDALE STREET OLATHE, KS 66061 | AFLAC | $43 | — | $43 | 0.12% |
| TIMOTHY SCHWERDT3 | 935 SOUTHEAST TUCUMSEH ROAD TECUMSEH, KS 66542 | AFLAC | $39 | — | $39 | 0.11% |
| BRAD SCHUMACHER3 | 2804 COUNTRY LANE HAYS, KS 67601 | AFLAC | $38 | — | $38 | 0.11% |
| KENNETH MORRIS JR3 | 5410 PLYMOUTH DRIVE LAWRENCE, KS 66049 | AFLAC | $27 | — | $27 | 0.08% |
| ROBERT GELSZAT3 | 11251 EAST BELLAIRE STREET WICHITA, KS 67207 | AFLAC | $17 | — | $17 | 0.05% |
| JOHN A BACON3 Filed as: JOHN BACON | 11630 WEST 158TH TERRACE OVERLOOK PARK, KS 66221 | AFLAC | $15 | — | $15 | 0.04% |
| CHRISTOPHER THOMAS HIPP3 Filed as: CHRISTOPHER HIPP | 1601 MEADOW LANE HAYS, KS 67601 | 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% |
| SUE TUCKER3 | 9856 US HIGHWAY 29 NORTH CUSSETA, AL 36852 | AFLAC | $5 | — | $5 | 0.01% |
| PEGGY SUE LAZER3 Filed as: PEGGY LAZER | 7914 113TH AVENUE NORTH CHAMPLIN, MN 55316 | AFLAC | $4 | — | $4 | 0.01% |
| MATTHEW YARRINGTON3 | 3226 SOUTHWEST ARROWHEAD ROAD TOPEKA, KS 66614 | AFLAC | $2 | — | $2 | 0.01% |
| SCOTT D SWIMMER3 Filed as: SCOTT SWIMMER | 4553 WEST 138TH TERRACE LEAWOOD, KS 66224 | AFLAC | $2 | — | $2 | 0.01% |
| JOSEPH GAUTHIER3 | 1835 HOULE CIRCLE CENTERVILLE, MN 55038 | AFLAC | $1 | — | $1 | 0.00% |
| DARIN D PAVLISH3 Filed as: DARIN PAVLISH | 7760 FRANCE AVENUE SUITE 1162 EDINA, MN 55435 | AFLAC | $1 | — | $1 | 0.00% |
| ALLAN GLAD3 | NFP CORPORATE SERVICES INC 9655 SCHMIDT LAKE RD PLYMOUTH, MN 55442 | HEALTHPARTNERS INSURANCE COMPANY | — | $58 | $58 | 4.87% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS AND BLUESHIELD OF MINNESOTA AND BLUE PLUS | 193 | $2.1M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF KANSAS, INC. | 130 | $189K |
| Vision(4 contracts, 3 carriers) | BLUECROSS AND BLUESHIELD OF MINNESOTA AND BLUE PLUS | 193 | $2.2M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $180K |
| Short-term disability(2 contracts) | AFLAC | 57 | $75K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $105K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.
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.