| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD WESTLUND3 | PO BOX 668 HUTCHINSON, MN 55350 | HEALTHPARTNERS | $8K | $3K | $11K | 1.29% |
| WESTLUND ASSOCIATES3 | PO BOX 668 HUTCHINSON, MN 55350 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.08% |
| WESTLUND ASSOCIATES3 | PO BOX 668 HUTCHINSON, MN 55350 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 6.70% |
| WESTLUND ASSOCIATES3 | PO BOX 668 HUTCHINSON, MN 55350 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 12.87% |
| WESTLUND ASSOCIATES3 | PO BOX 668 HUTCHINSON, MN 55350 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 9.83% |
| WESTLUND ASSOCIATES3 Filed as: WESTLUND ASSOCIATES INC | BOX 668 HUTCHINSON, MN 55350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $514 | — | $514 | 6.00% |
| JILL R LAMBERT3 | 12741 JEFFERSON STREET NORTHEAST BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | $12 | $208 | 2.43% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $69 | $191 | 2.23% |
| ELIZABETH MARIE LANGEVIN3 | 698 WEST LARPENTEUR AVENUE ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $15 | $127 | 1.48% |
| MICHAEL D MESSINA3 | 189 3RD STREET WEST MAPLE LAKE, MN 55385 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.83% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $5 | $50 | 0.58% |
| EDWARD D SOMMER3 Filed as: EDWARD CHRIS ROSENLUND | 8672 MEADOWVALE DRIVE EDEN PRAIRIE, MN 55347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.33% |
| SAMANTHA L GRIMSLEY3 | 111 RAMBLING CREEK DRIVE ST MICHAELS, MN 55376 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.12% |
| ANDREW JAMIN GRIMSLEY3 | 111 RAMBLING CREEK DRIVE ST MICHAELS, MN 55376 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.09% |
| WESTLUND ASSOCIATES3 Filed as: WESTLUND ASSOCIATES, INC | 102 SOUTH MAIN STREET HUTCHINSON, MN 55350 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $343 | — | $343 | 10.38% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC. | 325 CEDAR STREET SAINT PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $269 | — | $269 | 8.14% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS | 105 | $831K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 283 | $72K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 23 | $3K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 141 | $35K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 39 | $11K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 141 | $25K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 141 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.