| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSTED ACRES3 | 2145 FORD PARKWAY, SUITE 200 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| TRUSTED ACRES3 | 2145 FORD PARKWAY, SUITE 200 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| SHEFFIELD OLSON & MCQUEEN, INC3 | 2145 FORD PARKWAY, SUITE 300 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.59% |
| TRUSTED ACRES3 | 2145 FORD PARKWAY, SUITE 200 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| SHEFFIELD OLSON & MCQUEEN, INC3 | 2145 FORD PARKWAY, SUITE 300 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.59% |
| TRUSTED ACRES3 | 2145 FORD PARKWAY, SUITE 200 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| TRUSTED ACRES3 | 8011 34TH AVE S STE 148 BLOOMINGTON, MN 554252086 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| TRUSTED ACRES3 | 2145 FORD PARKWAY, SUITE 200 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $717 | $0 | $717 | 10.00% |
| SHEFFIELD OLSON & MCQUEEN, INC3 | 2145 FORD PARKWAY, SUITE 300 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $430 | $430 | 5.99% |
| TRUSTED ACRES3 | 2145 FORD PARKWAY, SUITE 200 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $704 | $0 | $704 | 10.00% |
| SHEFFIELD OLSON & MCQUEEN, INC3 | 2145 FORD PARKWAY, SUITE 300 ST PAUL, MN 55116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $423 | $423 | 6.01% |
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 | 268 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 253 | $16K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 309 | $56K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 309 | $37K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 309 | $32K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 309 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.