| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | MUTUAL OF OMAHA INSURANCE COMPANY | $9K | $7K | $17K | 13.34% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 5.41% |
| RILEY SPENCER3 | 2220 MIDLAND GROVE ROAD ROSEVILLE, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $994 | $2K | $3K | 12.36% |
| MARSH & MCLENNAN AGENCY LLC3 | SECURITY INSURANCE SERVICES NEW BERLIN, WI 53151 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $134 | $2K | 7.81% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $407 | $283 | $690 | 3.11% |
| KELLY CAROLE LARSON3 | 11026 ZUMBROTA CT NE BLAINE, MN 55449 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $400 | $51 | $451 | 2.03% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $131 | $100 | $231 | 1.04% |
| L&I CONSULTANTS3 | 1070 92ND ST APT 4 MIAMI BEACH, FL 33154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $177 | $37 | $214 | 0.97% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $127 | $43 | $170 | 0.77% |
| PERLA SPIRGEL3 | 10886 BLUE PALM ST. PLANTATION, FL 33324 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $147 | $3 | $150 | 0.68% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $127 | $23 | $150 | 0.68% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 6505 DEMPSEY AVE SW WAVERLY, MN 55390 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $125 | $24 | $149 | 0.67% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $109 | $37 | $146 | 0.66% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $112 | $3 | $115 | 0.52% |
| RYAN BENEFITS INC3 Filed as: RYAN CHRISTOPHER TRUCHON | 11954 YELLOWPINE ST NW COON RAPIDS, MN 55448 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $4 | $49 | 0.22% |
| SCOTT DANIEL JOHNSON3 | 47 45 NARVIK DR EAGAN, MN 55122 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.18% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $8 | $31 | 0.14% |
| RILEY SPENCER3 | 2220 MIDLAND GROVE ROAD ROSEVILLE, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $527 | $1K | $2K | 15.36% |
| MARSH & MCLENNAN AGENCY LLC3 | SECURITY INSURANCE SERVICES NEW BERLIN, WI 53151 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $916 | $87 | $1K | 9.68% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $302 | $268 | $570 | 5.50% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $139 | $3 | $142 | 1.37% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $69 | $59 | $128 | 1.24% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $99 | $22 | $121 | 1.17% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $71 | $26 | $97 | 0.94% |
| PERLA SPIRGEL3 | 10886 BLUE PALM ST. PLANTATION, FL 33324 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $92 | $2 | $94 | 0.91% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $23 | $84 | 0.81% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 6505 DEMPSEY AVE SW WAVERLY, MN 55390 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $11 | $65 | 0.63% |
| PATRICIA A DUNCAN3 Filed as: PATRICIA ANN WOODING | 5494 MOUNTAIN VIEW PASS STONE MOUNTAIN, GA 30087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 0.63% |
| SCOTT DANIEL JOHNSON3 | 4745 NARVIK DR EAGAN, MN 55122 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.40% |
| ATB INSURANCE INC3 | 8654 SOUTH MAPLEBROOK CIRCLE BROOKLYN PARK, MN 55445 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $1 | $34 | 0.33% |
| RYAN BENEFITS INC3 Filed as: RYAN CHRISTOPHER TRUCHON | 11954 YELLOWPINE ST NW COON RAPIDS, MN 55448 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $2 | $31 | 0.30% |
| TR INSURANCE ADVISORS INC3 | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $3 | $27 | 0.26% |
| RJK & ASSOCIATES INC3 | 777 DREWRY ST NE ATLANTA, GA 30306 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $1 | $11 | 0.11% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.03% |
| RILEY SPENCER3 | 5105 W 35TH ST SIOUX FALLS, SD 57106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $487 | $979 | $1K | 15.88% |
| MARSH & MCLENNAN AGENCY LLC3 | SECURITY INSURANCE SERVICES NEW BERLIN, WI 53151 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $766 | $68 | $834 | 9.04% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $151 | $98 | $249 | 2.70% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTER AVE ST PAUL, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $158 | $40 | $198 | 2.15% |
| L&I CONSULTANTS3 | 1870 NW 152ND ST OPA LOCKA, FL 33054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $152 | $31 | $183 | 1.98% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $111 | $3 | $114 | 1.24% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | $47 | $105 | 1.14% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSRUANCE INC | 886 POPLAR LN WATERTWON, MN 55388 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $79 | $14 | $93 | 1.01% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | $23 | $81 | 0.88% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $20 | $70 | 0.76% |
| PATRICIA A DUNCAN3 Filed as: PATRICIA ANN WOODING | 5494 MOUNTAIN VIEW PASS STONE MOUNTAIN, GA 30087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $51 | $0 | $51 | 0.55% |
| MICHELE RHEIN3 | 446 COUNTRY CLUB DR LANSDALE, PA 19446 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.12% |
| RJK & ASSOCIATES INC3 | 1800 PEACHTREE STREET NW ATLANTA, GA 30309 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 0.10% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $3 | $5 | 0.05% |
| TIFFANY BRIDE3 | 127 S SHERRIN AVE LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| RILEY SPENCER3 | 2220 MIDLAND GROVE ROAD ROSEVILLE, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $608 | $2K | $2K | 34.55% |
| MARSH & MCLENNAN AGENCY LLC3 | SECURITY INSURANCE SERVICES NEW BERLIN, WI 53151 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $128 | $1K | 16.68% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $491 | $137 | $628 | 9.05% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $195 | $208 | $403 | 5.80% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $97 | $119 | $216 | 3.11% |
| RYAN BENEFITS INC3 Filed as: RYAN CHRISTOPHER TRUCHON | 11954 YELLOWPINE ST NW COON RAPIDS, MN 55448 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $165 | $13 | $178 | 2.56% |
| KELLY CAROLE LARSON3 | 11026 ZUMBROTA CT NE BLAINE, MN 55449 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $118 | $18 | $136 | 1.96% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | $39 | $116 | 1.67% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $66 | $33 | $99 | 1.43% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $3 | $11 | 0.16% |
| PERLA SPIRGEL3 | 10886 BLUE PALM ST. PLANTATION, FL 33324 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.12% |
| ATB INSURANCE INC3 | 8654 SOUTH MAPLEBROOK CIRCLE BROOKLYN PARK, MN 55445 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.03% |
| NANCY CLAUSSEN3 | 196 E 6TH STREET SIOUX FALLS, SD 57104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.03% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| RILEY SPENCER3 | 2220 MIDLAND GROVE ROAD ROSEVILLE, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $221 | $504 | $725 | 17.03% |
| MARSH & MCLENNAN AGENCY LLC3 | SECURITY INSURANCE SERVICES NEW BERLIN, WI 53151 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $356 | $37 | $393 | 9.23% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $78 | $64 | $142 | 3.34% |
| KELLY CAROLE LARSON3 | 11026 ZUMBROTA CT NE BLAINE, MN 55449 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $19 | $133 | 3.13% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $1 | $55 | 1.29% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $23 | $49 | 1.15% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $11 | $40 | 0.94% |
| PATRICIA A DUNCAN3 Filed as: PATRICIA ANN WOODING | 5494 MOUNTAIN VIEW PASS STONE MOUNTAIN, GA 30087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.94% |
| L&I CONSULTANTS3 | 1070 92ND ST APT 4 MIAMI BEACH, FL 33154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $3 | $37 | 0.87% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $10 | $35 | 0.82% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $6 | $35 | 0.82% |
| TR INSURANCE ADVISORS INC3 | 1009 EIGHT AVE NE WASECA, MN 56093 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $3 | $23 | 0.54% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $3 | $11 | 0.26% |
| RJK & ASSOCIATES INC3 | 777 DREWRY ST NE ATLANTA, GA 30306 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.16% |
| RILEY SPENCER3 | 2220 MIDLAND GROVE ROAD ROSEVILLE, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $89 | $144 | 8.99% |
| MARSH & MCLENNAN AGENCY LLC3 | SECURITY INSURANCE SERVICES NEW BERLIN, WI 53151 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $97 | $9 | $106 | 6.62% |
| L&I CONSULTANTS3 | 1070 92ND ST APT 4 MIAMI, FL 33154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $11 | $68 | 4.24% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $15 | $38 | 2.37% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $6 | $14 | 0.87% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 6505 DEMPSEY AVE SW WAVERLY, MN 55390 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $2 | $12 | 0.75% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $2 | $11 | 0.69% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $1 | $10 | 0.62% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $2 | $10 | 0.62% |
| KELLY CAROLE LARSON3 | 11026 ZUMBROTA CT NE BLAINE, MN 55449 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.56% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.31% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $112K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $112K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $112K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 216 | $126K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 216 | $126K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 216 | $126K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $112K |
| Other(7 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 216 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.