| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 WATERFORD PARK HIGHWAY 169 N SUITE 1100 PLYMOUTH, MN 55441 | HEALTHPARTNERS INSURANCE COMPANY | $48K | $3K | $51K | 2.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 WATERFORD PARK HIGHWAY 169 N SUITE 1100 PLYMOUTH, MN 55441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40K | $0 | $40K | 16.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 WATERFORD PARK HIGHWAY 169 N SUITE 1100 PLYMOUTH, MN 55441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 11.68% |
| ANDREW CHARLES FELLS3 Filed as: ANDREW FELLS | PO BOX 74 LAKE CRYSTAL, MN 56055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 11.41% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $824 | $695 | $2K | 4.05% |
| NATALIE SUZANNE FONVILLE3 Filed as: NATALIE FONVILLE | 1600 THOMAS AVENUE NORTH MINNEAPOLIS, MN 55411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $576 | $520 | $1K | 2.92% |
| ROBERT SCOTT BRUNER3 Filed as: ROBERT BRUNER | 24620 EAST CEDAR LAKE DRIVE NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | $371 | $674 | 1.80% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH LANGEVIN AND OTHER AGENTS | 698 WEST LARPENTEUR LANE SAINT PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $604 | $49 | $653 | 1.74% |
| DEACON CHARLES KAVANAUGH3 Filed as: DEACON KAVANAUGH | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $45 | $188 | 0.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 WATERFORD PARK HIGHWAY 169 N SUITE 1100 PLYMOUTH, MN 55441 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $613 | $0 | $613 | 9.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 WATERFORD PARK HIGHWAY 169 N SUITE 1100 PLYMOUTH, MN 55441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $833 | $0 | $833 | 15.69% |
| ANDREW CHARLES FELLS3 Filed as: ANDREW FELLS | PO BOX 74 LAKE CRYSTAL, MN 56055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $764 | $0 | $764 | 14.39% |
| NATALIE SUZANNE FONVILLE3 Filed as: NATALIE FONVILLE | 1600 THOMAS AVENUE NORTH MINNEAPOLIS, MN 55411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | $108 | $227 | 4.28% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $92 | $203 | 3.82% |
| ROBERT SCOTT BRUNER3 Filed as: ROBERT BRUNER | 24620 EAST CEDAR LAKE DRIVE NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $72 | $130 | 2.45% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH LANGEVIN | 698 WEST LARPENTEUR LANE SAINT PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $22 | $117 | 2.20% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE AND VARIOUS AGENTS | 6505 DEMPSEY AVENUE SW WAVERLY, MN 55390 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $9 | $85 | 1.60% |
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. |
| 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) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 300 | $2.5M |
| Dental | HEALTHPARTNERS INSURANCE COMPANY | 300 | $2.5M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 95 | $6K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 263 | $249K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 63 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 263 | $249K |
| Prescription drug | HEALTHPARTNERS INSURANCE COMPANY | 300 | $2.5M |
| Other(4 contracts, 3 carriers) | HEALTHPARTNERS INSURANCE COMPANY | 300 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.