| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 7777 BONHOMME AVENUE, SUITE 2300 SAINT LOUIS, MD 63105 | STANDARD INSURANCE COMPANY | $6K | $523 | $6K | 5.78% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 7.94% |
| NATALIE SUZANNE FONVILLE3 Filed as: NATALIE FONVILLE | 2415 ZENITH AVENUE N GOLDEN VALLEY, MN 55422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 6.01% |
| BRENDA LEE CANNING3 Filed as: BRENDA CANNING | 4227 THRU STREET SAINT CLOUD, MN 56303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $278 | $287 | $565 | 0.66% |
| ARIEL BRELJE3 | 10859 MAJOR AVENUE GLENCOE, MN 55336 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $551 | $0 | $551 | 0.64% |
| LESLI ANN MARTISH3 Filed as: LESLI MARTISH | 301 TIGER STREET HARRISBURG, SD 57032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $516 | $0 | $516 | 0.60% |
| NOEL HASERT3 | 5104 EAST AZALEA CIRCLE SIOUX FALLS, SD 57108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $404 | $0 | $404 | 0.47% |
| BRADLEY HALVERSON3 Filed as: BRADLEY HALVERSON AND OTHER AGENTS | 319 WEST 5TH STREET BLUE EARTH, MN 56013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $55 | $197 | 0.23% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 146 | $112K |
| Vision | STANDARD INSURANCE COMPANY | 146 | $112K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 146 | $86K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 146 | $86K |
| Long-term disability | STANDARD INSURANCE COMPANY | 146 | $112K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 249 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
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.