| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRIMARY BENEFIT SERVICES3 | PO BOX 336 LITTLE FALLS, MN 56345 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.88% |
| PRIMARY BENEFIT SERVICES3 | PO BOX 336 LITTLE FALLS, MN 56345 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 11.91% |
| PRIMARY BENEFIT SERVICES3 | PO BOX 336 LITTLE FALLS, MN 56345 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.14% |
| PRIMARY BENEFIT SERVICES3 | PO BOX 336 LITTLE FALLS, MN 56345 | METROPOLITAN LIFE INSURANCE COMPANY | $884 | — | $884 | 6.39% |
| PRIMARY BENEFIT SERVICES3 | PO BOX 336 LITTLE FALLS, MN 56345 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 13.66% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $496 | $547 | $1K | 12.92% |
| PRIMARY BENEFIT SERVICES3 | PO BOX 336 LITTLE FALLS, MN 56345 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $731 | $0 | $731 | 9.05% |
| ANDREW JAMIN GRIMSLEY3 | 1639 GOETTENS WAY SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $471 | $2 | $473 | 5.86% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $58 | $121 | 1.50% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREKK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $29 | $120 | 1.49% |
| CARRIE S FLATEN3 | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $0 | $63 | 0.78% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $26 | $47 | 0.58% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $7 | $33 | 0.41% |
| NATALIE SUZANNE FONVILLE3 | 1600 THOMAS AVE N MINNEAPOLIS, MN 55411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $5 | $12 | 0.15% |
| PRIMARY BENEFIT SERVICES3 | PO BOX 336 LITTLE FALLS, MN 56345 | METROPOLITAN LIFE INSURANCE COMPANY | $302 | — | $302 | 9.83% |
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 | 383 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $73K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $34K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $14K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $16K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 33 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.