| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED BEN. AND RISK CONSULTING3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | HEALTHPARTNERS INSURANCE COMPANY | $3K | $6K | $9K | 0.73% |
| WESTLUND ASSOCIATES3 | PO BOX 668 HUTCHINSON, MN 55350 | HEALTHPARTNERS INSURANCE COMPANY | $8K | $0 | $8K | 0.61% |
| WESTLUND ASSOCIATES3 | PO BOX 668 HUTCHINSON, MN 55350 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.90% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $95 | $0 | $95 | 0.12% |
| WESTLUND ASSOCIATES3 | PO BOX 668 HUTCHINSON, MN 55350 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 8.99% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 3.10% |
| WESTLUND ASSOCIATES3 | PO BOX 668 HUTCHINSON, MN 55350 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.93% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | METROPOLITAN LIFE INSURANCE COMPANY | $374 | $162 | $536 | 1.32% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $494 | $329 | $823 | 7.80% |
| WESTLUND ASSOCIATES3 Filed as: WESTLUND ASSOCIATES, INC. | PO BOX 668 HUTCHINSON, MN 55350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $483 | $0 | $483 | 4.58% |
| KHL INSURANCE INC3 | 3357 POLK ST NE MINNEAPOLIS, MN 55418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $260 | $51 | $311 | 2.95% |
| MJ INSURANCE3 Filed as: JILL R LAMBERT AND VARIOUS AGENTS | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | $58 | $219 | 2.08% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 172-90 HIGHLAND AVE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $18 | $102 | 0.97% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $15 | $96 | 0.91% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $25 | $85 | 0.81% |
| WESTLUND ASSOCIATES3 | PO BOX 668 HUTCHINSON, MN 55350 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $474 | $0 | $474 | 8.31% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS | 55 EAST 5TH STREET, SUITE 500 SAINT PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $380 | $0 | $380 | 6.66% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $93 | $0 | $93 | 1.63% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 294 | $1.3M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 239 | $80K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 82 | $6K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $41K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $44K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $44K |
| Prescription drug | HEALTHPARTNERS INSURANCE COMPANY | 294 | $1.3M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.