| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: HANRATTY & ASSOCIATES | 15350 25TH AVENUE N, STE 114 PLYMOUTH, MN 55447 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $36K | $8K | $44K | 16.80% |
| ENROLLEASE3 Filed as: HANRATTY AND ASSOCIATES | 15350 25TH AVE N, STE 114 MINNEAPOLIS, MN 55447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $959 | $34 | $993 | — |
| MARC A GROVE0 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $759 | $74 | $833 | — |
| MELISSA ARMATIS0 Filed as: MELISSA JEAN WOKASCH | 12549 STILKE LAKE ROAD FRAZEE, MN 56544 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $500 | $15 | $515 | — |
| JACQUIELINE BARTHELEMY0 | 7573 HILTON ROAD ROYALTON, MN 56373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $432 | $22 | $454 | — |
| LINDA R MARCUM0 | 3339 N HIGHLAND AVENUE JACKSON, TN 38305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $267 | — | $267 | — |
| ELIZABETH MARIE LANGEVIN0 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | $10 | $232 | — |
| EDWARD C. ROSENLUND0 Filed as: EDWARD CHRIS RAYMOND | 8672 MEADOWVALE DRIVE EDEN PRAIRIE, MN 55347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | — | $119 | — |
| TYLER HERRINGTON TORBETT0 Filed as: TYLER JAMES JENDRO | 1100 11TH AVE SE ST. CLOUD, MN 56304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | — |
| JILL R LAMBERT0 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $4 | $57 | — |
| MICHAEL A DUARTE0 Filed as: MICHAEL DUARTE | 515 DULL STREET DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | — |
| MEGHAN MOFFATT LUCAS0 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $3 | $9 | — |
| KAREN BOHLER0 | 12910 PRIMROSE LANE EDEN PRAIRIE, MN 55344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | — |
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 | 404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 44 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $261K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $261K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $261K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.