| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 0.87% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MINNESOTA LLC | 2361 HIGHWAY 36 WEST SAINT PAUL, MN 55113 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.57% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 101 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.20% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MINNESOTA LLC | 2361 HIGHWAY 36 WEST SAINT PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $953 | $0 | $953 | 9.72% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $465 | $401 | $866 | 8.83% |
| RILEY SPENCER3 | 5105 WEST 35TH STREET SIOUX FALLS, SD 57106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | $327 | $471 | 4.80% |
| MJ INSURANCE3 Filed as: NATALIE FONVILLE AND VARIOUS AGENTS | 2415 ZENITH AVENUE N GOLDEN VALLEY, MN 55422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | $32 | $190 | 1.94% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 225 SOUTH SIXTH STREET, SUITE 1900 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | $0 | $182 | 1.86% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH LANGEVIN | 51685 BELLE ISLE DRIVE RUSH CITY, MN 55069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $5 | $58 | 0.59% |
| WILLIAM ROOD3 | 1251 STONE RIDGE ROAD SAUK RAPIDS, MN 56379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 0.59% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $412 | $354 | $766 | 17.41% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MINNESOTA LLC | 2361 HIGHWAY 36 WEST SAINT PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $741 | $0 | $741 | 16.84% |
| RILEY SPENCER3 | 5105 WEST 35TH STREET SIOUX FALLS, SD 57106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | $433 | $629 | 14.30% |
| MJ INSURANCE3 Filed as: MEGHAN LUCAS AND VARIOUS AGENTS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | $33 | $133 | 3.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 225 SOUTH SIXTH STREET, SUITE 1900 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $0 | $86 | 1.95% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH LANGEVIN | 51685 BELLE ISLE DRIVE RUSH CITY, MN 55069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $7 | $71 | 1.61% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 886 POPLAR LANE WATERTOWN, MN 55388 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $12 | $63 | 1.43% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MINNESOTA LLC | 2361 HIGHWAY 36 WEST SAINT PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $0 | $117 | 6.38% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 225 SOUTH SIXTH STREET, SUITE 1900 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 1.09% |
| NATALIE SUZANNE FONVILLE3 Filed as: NATALIE FONVILLE | 2415 ZENITH AVENUE N GOLDEN VALLEY, MN 55422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.98% |
| WILLIAM ROOD3 | 1251 STONE RIDGE ROAD SAUK RAPIDS, MN 56379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.55% |
| JAMES BUCKLEY3 | 937 WALL STREET NORTH MANKATO, MN 56003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.16% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MINNESOTA LLC | 2361 HIGHWAY 36 WEST SAINT PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $0 | $176 | 10.50% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $56 | $127 | 7.58% |
| RILEY SPENCER3 | 5105 WEST 35TH STREET SIOUX FALLS, SD 57106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $71 | $119 | 7.10% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH LANGEVIN | 51685 BELLE ISLE DRIVE RUSH CITY, MN 55069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $5 | $71 | 4.24% |
| ROBERT SCOTT BRUNER3 Filed as: ROBERT BRUNER | 24620 EAST CEDAR LAKE DRIVE NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $8 | $17 | 1.01% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN LUCAS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $2 | $13 | 0.78% |
| JILL R LAMBERT3 Filed as: JILL LAMBERT | 12741 JEFFERSON STREET NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 0.54% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MINNESOTA LLC | 2361 HIGHWAY 36 WEST SAINT PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | $0 | $132 | 9.26% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $60 | $129 | 9.05% |
| RILEY SPENCER3 | 5105 WEST 35TH STREET SIOUX FALLS, SD 57106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $62 | $88 | 6.18% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 225 SOUTH SIXTH STREET, SUITE 1900 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 1.61% |
| MJ INSURANCE3 Filed as: NATALIE FONVILLE AND VARIOUS AGENTS | 2415 ZENITH AVENUE N GOLDEN VALLEY, MN 55422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $1 | $19 | 1.33% |
| ROBERT SCOTT BRUNER3 Filed as: ROBERT BRUNER | 24620 EAST CEDAR LAKE DRIVE NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $4 | $8 | 0.56% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN LUCAS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.42% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $82 | $176 | 30.34% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MINNESOTA LLC | 2361 HIGHWAY 36 WEST SAINT PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | $0 | $139 | 23.97% |
| RILEY SPENCER3 | 5105 WEST 35TH STREET SIOUX FALLS, SD 57106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $65 | $92 | 15.86% |
| ROBERT SCOTT BRUNER3 Filed as: ROBERT BRUNER | 24620 EAST CEDAR LAKE DRIVE NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $5 | $9 | 1.55% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH LANGEVIN | 51685 BELLE ISLE DRIVE RUSH CITY, MN 55069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 1.38% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN LUCAS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 1.38% |
| JILL R LAMBERT3 Filed as: JILL LAMBERT | 12741 JEFFERSON STREET NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 1.03% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $852K |
| Dental(7 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $872K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $852K |
| Life insurance(7 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $872K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $852K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $852K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $852K |
| Other(7 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $872K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.