| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRIMARY BENEFIT SERVICES3 | PO BOX 336 LITTLE FALLS, MN 56345 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $884 | $4K | 5.12% |
| PRIMARY BENEFIT SERVICES3 | PO BOX 336 LITTLE FALLS, MN 56345 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $583 | $5K | 14.21% |
| PRIMARY BENEFIT SERVICES3 | PO BOX 336 LITTLE FALLS, MN 56345 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $188 | $2K | 11.08% |
| PRIMARY BENEFIT SERVICES3 | PO BOX 336 LITTLE FALLS, MN 56345 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $157 | $1K | 8.03% |
| PRIMARY BENEFIT SERVICES3 | PO BOX 336 LITTLE FALLS, MN 56345 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $87 | $2K | 15.99% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | $109 | $267 | 5.34% |
| PRIMARY BENEFIT SERVICES3 | PO BOX 336 LITTLE FALLS, MN 56345 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | — | $216 | 4.32% |
| ANDREW JAMIN GRIMSLEY3 | 1639 GOETTENS WAY SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $2 | $178 | 3.56% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREKK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $3 | $38 | 0.76% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $6 | $29 | 0.58% |
| CARRIE S FLATEN3 | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.56% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $5 | $11 | 0.22% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| NATALIE SUZANNE FONVILLE3 | 1600 THOMAS AVE N MINNEAPOLIS, MN 55411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.06% |
| PRIMARY BENEFIT SERVICES3 | PO BOX 336 LITTLE FALLS, MN 56345 | METROPOLITAN LIFE INSURANCE COMPANY | $319 | $38 | $357 | 11.34% |
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 | 361 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $76K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $36K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 361 | $15K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $17K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 16 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.