| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $0 | $26K | 2.81% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $0 | $16K | 1.77% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $273 | $273 | 0.03% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $262 | $384 | 10.89% |
| ASSUREDPARTNERS3 | 2361 HIGHWAY 36 WEST SAINT PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $236 | $24 | $260 | 7.37% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | 225 SOUTH SIXTH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | $0 | $188 | 5.33% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS INC AND OTHER AGENTS | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $20 | $100 | 2.84% |
| RILEY SPENCER3 | 5105 WEST 35TH STREET SIOUX FALLS, SD 57106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $31 | $87 | 2.47% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $31 | $59 | 1.67% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | 1251 STONE RIDGE ROAD SAUK RAPIDS, MN 56379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.99% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $375 | $541 | 16.06% |
| ASSUREDPARTNERS3 | 2361 HIGHWAY 36 WEST SAINT PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | $56 | $283 | 8.40% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | 225 SOUTH SIXTH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | $0 | $209 | 6.21% |
| RILEY SPENCER3 | 5105 WEST 35TH STREET SIOUX FALLS, SD 57106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $47 | $121 | 3.59% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE AND VARIOUS AGENTS | 886 POPLAR LANE WATERTOWN, MN 55388 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $8 | $71 | 2.11% |
| ELIZABETH MARIE LANGEVIN3 | 51685 BELLE ISLE DRIVE RUSH CITY, MN 55069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.59% |
| ROBERT SCOTT BRUNER3 | 24620 EAST CEDAR LAKE DRIVE NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $8 | $17 | 0.50% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | 225 SOUTH SIXTH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $495 | $0 | $495 | 18.71% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $183 | $265 | 10.02% |
| RILEY SPENCER3 | 5105 WEST 35TH STREET SIOUX FALLS, SD 57106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $112 | $265 | 10.02% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE, INC. | 886 POPLAR LANE WATERTOWN, MN 55388 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | $33 | $194 | 7.33% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS AND VARIOUS AGENTS | 2361 HIGHWAY 36 WEST SAINT PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $27 | $91 | 3.44% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $19 | $72 | 2.72% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $37 | $67 | 2.53% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $49 | $77 | 8.25% |
| ASSUREDPARTNERS3 | 2361 HIGHWAY 36 WEST SAINT PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $7 | $52 | 5.57% |
| RILEY SPENCER3 | 5105 WEST 35TH STREET SIOUX FALLS, SD 57106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $7 | $32 | 3.43% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | 225 SOUTH SIXTH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 2.79% |
| ELIZABETH MARIE LANGEVIN3 | 51685 BELLE ISLE DRIVE RUSH CITY, MN 55069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 1.61% |
| MJ INSURANCE3 Filed as: JILL R. LAMBERT AND VARIOUS AGENTS | 12741 JEFFERSON STREET NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $2 | $11 | 1.18% |
| ROBERT SCOTT BRUNER3 | 24620 EAST CEDAR LAKE DRIVE NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.43% |
| ASSUREDPARTNERS3 | 2361 HIGHWAY 36 WEST SAINT PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 8.07% |
| NATALIE SUZANNE FONVILLE3 | 2415 ZENITH AVENUE NORTH GOLDEN VALLEY, MN 55422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 1.18% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | 225 SOUTH SIXTH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.75% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | 1251 STONE RIDGE ROAD SAUK RAPIDS, MN 56379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.75% |
| JAMES BUCKLEY3 | 937 WALL STREET NORTH MANKATO, MN 56003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.22% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | 225 SOUTH SIXTH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 10.02% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $26 | $37 | 8.43% |
| RILEY SPENCER3 | 5105 WEST 35TH STREET SIOUX FALLS, SD 57106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $8 | $19 | 4.33% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $6 | $11 | 2.51% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.68% |
| ROBERT SCOTT BRUNER3 | 24620 EAST CEDAR LAKE DRIVE NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.46% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS, INC. | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.46% |
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 | 344 | 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) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $926K |
| Dental(7 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $937K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $926K |
| Life insurance(7 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $937K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $926K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $926K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $926K |
| Other(7 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $937K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.