| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRACY LEE BAILEY3 | 29717 131ST ST PRINCETON, MN 55371 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 7.79% |
| BURNS INSURANCE AGENCY LLC3 Filed as: BURNS INSURANCE AGENCY | 500 S CENTRAL AVE MARSHFIELD, WI 54449 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $275 | $3K | 6.79% |
| BRENDA LEE CANNING3 | 4227 THRU ST SAINT CLOUD, MN 56303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $755 | $294 | $1K | 2.04% |
| RENELLE THERESA ROESLER3 | 2812 MIRAMAR DR CARROLLTON, TX 75007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $434 | $61 | $495 | 0.96% |
| BEYOND BENEFITS LLC3 | 29717 131ST ST PRINCETON, MN 55371 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $374 | $93 | $467 | 0.91% |
| LAWRENCE RAY TERRY3 | 411 WINGSPAN DR ORMOND BEACH, FL 32174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $306 | — | $306 | 0.59% |
| BLUE SKY BENEFIT SOLUTIONS INC3 | 4010 CLEARWATER RD APT 202 SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | — | $171 | 0.33% |
| DEBRA FERRAO3 | 7102 HEATHERTON TRL MINNEAPOLIS, MN 55435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $54 | $152 | 0.30% |
| BARNITT CONSULTING LLC3 | 4305 167TH AVE NE HAM LAKE, MN 55304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $40 | $67 | 0.13% |
| LINDSEY BARNES3 | 31196 151ST ST NW PRINCETON, MN 55371 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.10% |
| ANGELA JEAN SUNDE RICH3 | 2351 40TH AVE SE ROCHESTER, MN 55904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.04% |
| INSURANCE SERVICE CENTER INC3 | PO BOX 787 MARSHFIELD, WI 54449 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 11.56% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | COMPANION LIFE INSURANCE COMPANY | $524 | — | $524 | 3.29% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN RD SUITE 310 MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | $396 | — | $396 | 2.49% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 122 | $16K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 114 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.