| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOYS AND TYLER FIN GRP INC3 Filed as: BOYS AND TYLER FINANCIAL GROUP | 7700 EQUITABLE DR STE 204 EDEN PRAIRIE, MN 55344 | PRINCIPAL LIFE INSURANCE COMPANY | $26K | $2K | $28K | 14.20% |
| BOYS AND TYLER FIN GRP INC3 | 7700 EQUITABLE DR EDEN PRAIRIE, MN 55344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 7.60% |
| EMPLOYEE BENEFIT ADVANTAGES INC3 Filed as: EMPLOYEE BENEFITS ADVANTAGES INC | 14740 BOWERS DR NW RAMSEY, MN 55303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $23 | $3K | 3.26% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $943 | $224 | $1K | 1.23% |
| CARRIE S FLATEN3 | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $614 | $16 | $630 | 0.67% |
| LORI OLSON3 | 5280 ANAPOLIS LN PLYMOUTH, MN 55446 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $287 | $365 | 0.39% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 1009 8TH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | $46 | $266 | 0.28% |
| NATALIE SUZANNE FONVILLE3 | 1600 THOMAS AVE N MINNEAPOLIS, MN 55411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | $0 | $246 | 0.26% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $0 | $125 | 0.13% |
| TR INSURANCE ADVISORS INC3 Filed as: TR INSURANCE ADVISORS | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $8 | $100 | 0.11% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST.PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $0 | $69 | 0.07% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DRIVE NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $30 | $57 | 0.06% |
| ATB INSURANCE INC3 | 8654 SOUTH MAPLEBROOK CIRCLE BROOKLYN PARK, MN 55445 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $3 | $40 | 0.04% |
| JILL R LAMBERT3 Filed as: JILL R LANBERT | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.04% |
| MICHELLE J HALLER3 Filed as: MICHELLE HALLER | 913 HUNTINGTON WAY JORDAN, MI 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $3 | $7 | 0.01% |
| DESIREE WENDELL3 | 38269 EVERTON AVE NORTH BRANCH, MN 55056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $194K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $194K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $194K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $288K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 87 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.