| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN, INC. | 505 WATERFORD PARK HIGHWAY 169 SUITE 1100 PLYMOUTH, MN 55441 | HEALTHPARTNERS INSURANCE COMPANY | $0 | $53K | $53K | 2.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN, INC. | 505 WATERFORD PARK HIGHWAY 169 SUITE 1100 PLYMOUTH, MN 55441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $4K | $23K | 10.12% |
| JENNON M CARUTH3 Filed as: JENNON M. CARUTH | 6400 FLYING CLOUD DRIVE, SUITE 215 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $141 | $3K | 1.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN, INC. | 505 WATERFORD PARK HIGHWAY 169 SUITE 1100 PLYMOUTH, MN 55441 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $201 | $3K | 14.23% |
| JENNON M CARUTH3 Filed as: JENNON M. CARUTH | 6400 FLYING CLOUD DRIVE, SUITE 215 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $66 | $1K | 6.08% |
| CONSTANCE GOLLEHER3 Filed as: CONSTANCE Y. GOLLEHER | 20910 BEALLSVILLE ROAD DICKERSON, MD 20842 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $106 | $46 | $152 | 0.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING II, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $134 | $134 | 0.57% |
| CHAFFEE, RICHARD J3 Filed as: CHAFFEE AND ASSOCIATES, LLC. | 11100 WAYZATA BOULEVARD, SUITE 220 MINNETONKA, MN 55305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $16 | $98 | 0.42% |
| FINANCIAL CONCEPTS TWIN CITIES INC.3 Filed as: FINANCIAL CONCEPTS TWIN CITIES, INC | 505 HIGHWAY 169 NORTH, SUITE 1100 MINNEAPOLIS, MN 55441 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $268 | $0 | $268 | 3.31% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 343 | $2.1M |
| Dental | HEALTHPARTNERS INSURANCE COMPANY | 343 | $2.1M |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $8K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 228 | $252K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 228 | $228K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 228 | $252K |
| Prescription drug | HEALTHPARTNERS INSURANCE COMPANY | 343 | $2.1M |
| Other(2 contracts, 2 carriers) | HEALTHPARTNERS INSURANCE COMPANY | 343 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.