| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WESTLUND ASSOCIATES3 | PO BOX 668 HUTCHINSON, MN 55350 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | — |
| RICHARD WESTLUND3 | PO BOX 668 HUTCHINSON, MN 55350 | HEALTHPARTNERS | — | — | $0 | — |
| WESTLUND ASSOCIATES3 Filed as: WESTLUND ASSOCIATES, INC | 102 SOUTH MAIN STREET HUTCHINSON, MN 56073 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | — | $0 | — |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC. | 55 5TH STREET EAST #500 SAINT PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | — | $0 | — |
| WESTLUND ASSOCIATES3 Filed as: WESTLUND ASSOCIATES INC | BOX 668 HUTCHINSON, MN 55350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| ELIZABETH MARIE LANGEVIN3 | 698 WEST LARPENTEUR AVENUE ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| KELLY CAROLE LARSON3 | 11026 ZUMBROTA COURT NORTHEAST BLAINE, MN 55449 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| JILL R LAMBERT3 | 12741 JEFFERSON STREET NORTHEAST BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| TAMMY M DAHLBERG3 | 1009 EIGHT AVENUE NORTHEAST WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| BLUE SKY BENEFIT SOLUTIONS INC3 | 1500 39TH STREET SOUTH SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| MICHAEL D MESSINA3 | 189 3RD STREET WEST MAPLE LAKE, MN 55358 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| JACK ALAN HENNINGSGAARD3 | 2562 LOST LAKE ROAD MOUND, MN 55364 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| ANDREW JAMIN GRIMSLEY3 | 111 RAMBLING CREEK DRIVE SOUTHEAST SAINT MICHAEL, MN 55376 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS | 0 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 0 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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."
No prospect flags tripped on this filing.