| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSTED ACRES3 Filed as: TRUSTED ACRES LLC | 8011 34TH AVE S STE 148 BLOOMINGTON, MN 554252086 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| TRUSTED ACRES3 Filed as: TRUSTED ACRES LLC | 8011 34TH AVE S STE 148 BLOOMINGTON, MN 55425 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $564 | $282 | $846 | 30.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PF RE, INC EIN 83-2330008 NONE | Insurance agents and brokers Service code 22 | — | $553K |
| CONCORD MANAGEMENT RESOURCES EIN 82-2339246 NONE | Actuarial Service code 11 | — | $439K |
| 40 SQUARE COOPERATIVE SOLUTIONS EIN 35-2605951 NONE | Consulting (general) Service code 16 | — | $336K |
| AETNA EIN 06-6033492 NOEN | Contract Administrator Service code 13 | — | $227K |
| RELIANCE STANDARD EIN 36-0883760 NONE | Insurance services Service code 23 | — | $60K |
| WINDSOR STRATEGY PARTNERS, INC EIN 81-0912547 NONE | Actuarial Service code 11 | — | $42K |
| IFC EIN 04-3757825 NONE | Insurance agents and brokers Service code 22 | — | $41K |
| HCP NATIONAL INSURANCE SERVICES EIN 95-4475799 NONE | Insurance services Service code 23 | — | $38K |
| WITHUMSMITH+BROWN EIN 22-2027092 NONE | Accounting (including auditing) Service code 10 | — | $27K |
| STRATEGIC UNDERWRITING SOLUTIONS EIN 20-5848687 NONE | Insurance services Service code 23 | — | $19K |
| GREAT PLAINS FINANCIAL EIN 86-2067873 NONE | Insurance agents and brokers Service code 22 | — | $18K |
| GENOVA BURNS EIN 22-2940404 NONE | Legal Service code 29 | — | $18K |
| FARMERS UNION INSURANCE AGENCY EIN 41-0808644 NONE | Insurance agents and brokers Service code 22 | — | $10K |
| AMY NESEMEIER EIN 45-0374998 NONE | Insurance agents and brokers Service code 22 | — | $9K |
| CAL JEREMIASON AGENCY INC EIN 45-2538969 NONE | Insurance agents and brokers Service code 22 | — | $8K |
| RISTY BENEFITS EIN 20-0692245 NONE | Insurance agents and brokers Service code 22 | — | $6K |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 225 | $57K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 225 | $57K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 13 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.