| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $52K | $59K | 3.27% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | MUTUAL OF OMAHA INSURANCE COMPANY | $9K | $9K | $19K | 14.64% |
| RILEY SPENCER3 | 2220 MIDLAND GROVE ROAD ROSEVILLE, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $7K | $10K | 40.74% |
| MARSH & MCLENNAN AGENCY LLC3 | SECURITY INSURANCE SERVICES NEW BERLIN, WI 53151 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $276 | $5K | 19.86% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $973 | $1K | $2K | 9.61% |
| KELLY CAROLE LARSON3 | 11026 ZUMBROTA CT NE BLAINE, MN 55449 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $466 | $2K | 8.32% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $359 | $393 | $752 | 3.09% |
| PERLA SPIRGEL3 | 10886 BLUE PALM ST. PLANTATION, FL 33324 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $563 | $26 | $589 | 2.42% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $359 | $173 | $532 | 2.19% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $484 | $41 | $525 | 2.16% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $359 | $150 | $509 | 2.09% |
| LAURA GUERRERO3 | 1070 92 STREET MIAMI BEACH, FL 33154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $386 | $50 | $436 | 1.79% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $309 | $96 | $405 | 1.67% |
| L&I CONSULTANTS3 | 1070 92ND ST APT 4 MIAMI BEACH, FL 33154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $260 | $4 | $264 | 1.09% |
| SCOTT DANIEL JOHNSON3 | 47 45 NARVIK DR EAGAN, MN 55122 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $231 | $0 | $231 | 0.95% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $121 | $80 | $201 | 0.83% |
| RYAN BENEFITS INC3 Filed as: RYAN CHRISTOPHER TRUCHON | 11954 YELLOWPINE ST NW COON RAPIDS, MN 55448 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $103 | $18 | $121 | 0.50% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 6505 DEMPSEY AVE SW WAVERLY, MN 55390 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $17 | $70 | 0.29% |
| RILEY SPENCER3 | 2220 MIDLAND GROVE ROAD ROSEVILLE, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $4K | $5K | 40.96% |
| MARSH & MCLENNAN AGENCY LLC3 | SECURITY INSURANCE SERVICES NEW BERLIN, WI 53151 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $147 | $3K | 20.10% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $505 | $707 | $1K | 9.45% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $568 | $48 | $616 | 4.80% |
| PERLA SPIRGEL3 | 10886 BLUE PALM ST. PLANTATION, FL 33324 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $458 | $21 | $479 | 3.73% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $215 | $235 | $450 | 3.51% |
| KELLY CAROLE LARSON3 | 11026 ZUMBROTA CT NE BLAINE, MN 55449 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $344 | $101 | $445 | 3.47% |
| SCOTT DANIEL JOHNSON3 | 4745 NARVIK DR EAGAN, MN 55122 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $440 | $0 | $440 | 3.43% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $181 | $87 | $268 | 2.09% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $181 | $76 | $257 | 2.00% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $155 | $48 | $203 | 1.58% |
| RYAN BENEFITS INC3 Filed as: RYAN CHRISTOPHER TRUCHON | 11954 YELLOWPINE ST NW COON RAPIDS, MN 55448 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $12 | $82 | 0.64% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $19 | $47 | 0.37% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 6505 DEMPSEY AVE SW WAVERLY, MN 55390 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $8 | $32 | 0.25% |
| ATB INSURANCE INC3 | 8654 SOUTH MAPLEBROOK CIRCLE BROOKLYN PARK, MN 55445 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $2 | $26 | 0.20% |
| RILEY SPENCER3 | 2220 MIDLAND GROVE ROAD ROSEVILLE, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $517 | $2K | $2K | 45.14% |
| MARSH & MCLENNAN AGENCY LLC3 | SECURITY INSURANCE SERVICES NEW BERLIN, WI 53151 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $958 | $58 | $1K | 21.84% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $485 | $41 | $526 | 11.31% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $170 | $238 | $408 | 8.77% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $76 | $146 | 3.14% |
| LAURA GUERRERO3 | 1070 92 STREET MIAMI BEACH, FL 33154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $125 | $16 | $141 | 3.03% |
| L&I CONSULTANTS3 | 1070 92ND ST APT 4 MIAMI BEACH, FL 33154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $104 | $2 | $106 | 2.28% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $31 | $96 | 2.06% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $27 | $92 | 1.98% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | $17 | $73 | 1.57% |
| SCOTT DANIEL JOHNSON3 | 4745 NARVIK DR EAGAN, MN 55122 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.71% |
| KELLY CAROLE LARSON3 | 11026 ZUMBROTA CT NE BLAINE, MN 55449 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $3 | $13 | 0.28% |
| PERLA SPIRGEL3 | 10886 BLUE PALM ST. PLANTATION, FL 33324 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $1 | $12 | 0.26% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.04% |
| RILEY SPENCER3 | 2220 MIDLAND GROVE ROAD ROSEVILLE, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $372 | $1K | $2K | 43.19% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $157 | $219 | $376 | 10.76% |
| KELLY CAROLE LARSON3 | 11026 ZUMBROTA CT NE BLAINE, MN 55449 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $282 | $83 | $365 | 10.44% |
| MARSH & MCLENNAN AGENCY LLC3 | SECURITY INSURANCE SERVICES NEW BERLIN, WI 53151 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $289 | $42 | $331 | 9.47% |
| RYAN BENEFITS INC3 Filed as: RYAN CHRISTOPHER TRUCHON | 11954 YELLOWPINE ST NW COON RAPIDS, MN 55448 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $155 | $27 | $182 | 5.21% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $67 | $128 | 3.66% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $51 | $24 | $75 | 2.15% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $51 | $21 | $72 | 2.06% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $14 | $58 | 1.66% |
| PERLA SPIRGEL3 | 10886 BLUE PALM ST. PLANTATION, FL 33324 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $2 | $40 | 1.14% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $16 | $40 | 1.14% |
| ATB INSURANCE INC3 | 8654 SOUTH MAPLEBROOK CIRCLE BROOKLYN PARK, MN 55445 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $2 | $26 | 0.74% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.17% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 6505 DEMPSEY AVE SW WAVERLY, MN 55390 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.09% |
| RILEY SPENCER3 | 2220 MIDLAND GROVE ROAD ROSEVILLE, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $145 | $445 | $590 | 35.69% |
| MARSH & MCLENNAN AGENCY LLC3 | SECURITY INSURANCE SERVICES NEW BERLIN, WI 53151 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $333 | $20 | $353 | 21.36% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $90 | $154 | 9.32% |
| LAURA GUERRERO3 | 1070 92 STREET MIAMI BEACH, FL 33154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $123 | $16 | $139 | 8.41% |
| L&I CONSULTANTS3 | 1070 92ND ST APT 4 MIAMI, FL 33154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $105 | $2 | $107 | 6.47% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $28 | $53 | 3.21% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $3 | $37 | 2.24% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $11 | $34 | 2.06% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $10 | $34 | 2.06% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $6 | $26 | 1.57% |
| KELLY CAROLE LARSON3 | 11026 ZUMBROTA CT NE BLAINE, MN 55449 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $3 | $25 | 1.51% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.18% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 301 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 301 | $1.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 301 | $1.8M |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 222 | $127K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 222 | $127K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 222 | $127K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 301 | $1.8M |
| Other(6 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 222 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.