| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED BEN. AND RISK CONSULTING3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | HEALTHPARTNERS INSURANCE COMPANY | $56K | $77 | $57K | 3.11% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 12.44% |
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.56% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $776 | $0 | $776 | 10.96% |
| WESTLUND ASSOCIATES3 Filed as: WESTLUND ASSOCIATED INC. | PO BOX 668 HUTCHINSON, MN 55350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $938 | $0 | $938 | — |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $343 | $70 | $413 | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | $0 | $158 | — |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | $11 | $147 | — |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN MOFFATT LUCAS & OTHER AGENTS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $4 | $129 | — |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $3 | $101 | — |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $2 | $69 | — |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 287 | $1.8M |
| Dental | HEALTHPARTNERS INSURANCE COMPANY | 287 | $1.8M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 104 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $152K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $152K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $152K |
| Prescription drug | HEALTHPARTNERS INSURANCE COMPANY | 287 | $1.8M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.