| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHEFFIELD OLSON & MCQUEEN, INC3 | 2145 FORD PARKWAY, SUITE 300 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $4K | 13.91% |
| TRUSTED ACRES3 | 2145 FORD PARKWAY, SUITE 200 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $780 | — | $780 | 2.73% |
| SHEFFIELD OLSON & MCQUEEN, INC3 | 2145 FORD PARKWAY, SUITE 300 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $4K | 14.74% |
| TRUSTED ACRES3 | 2145 FORD PARKWAY, SUITE 200 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $771 | — | $771 | 2.73% |
| SHEFFIELD OLSON & MCQUEEN, INC3 | 2145 FORD PARKWAY, SUITE 300 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $1K | $3K | 12.48% |
| TRUSTED ACRES3 | 2145 FORD PARKWAY, SUITE 200 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $630 | — | $630 | 2.73% |
| LEFTLANE INC3 | 2145 FORD PARKWAY, SUITE 200 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.07% |
| TRUSTED ACRES3 | 2145 FORD PARKWAY, SUITE 200 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $535 | — | $535 | 2.58% |
| SHEFFIELD OLSON & MCQUEEN, INC3 | 2145 FORD PARKWAY, SUITE 300 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $977 | $2K | 12.29% |
| TRUSTED ACRES3 | 2145 FORD PARKWAY, SUITE 200 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $535 | — | $535 | 2.77% |
| SHEFFIELD OLSON & MCQUEEN, INC3 | 2145 FORD PARKWAY, SUITE 300 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $698 | $601 | $1K | 18.47% |
| TRUSTED ACRES3 | 2145 FORD PARKWAY, SUITE 200 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $174 | — | $174 | 2.47% |
| SHEFFIELD OLSON & MCQUEEN, INC3 | 2145 FORD PARKWAY, SUITE 300 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $802 | $387 | $1K | 24.36% |
| TRUSTED ACRES3 | 2145 FORD PARKWAY, SUITE 200 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $98 | — | $98 | 2.01% |
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 | 301 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 119 | $21K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 301 | $48K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 300 | $23K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 300 | $28K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 301 | $40K |
| 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.