| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED BENEFITS & RISK CON3 Filed as: ASSOCIATED BENEFITS AND RISK | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | HEALTHPARTNERS INSURANCE COMPANY | $45K | $0 | $45K | 2.14% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | HEALTHPARTNERS INSURANCE COMPANY | $0 | $77 | $77 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $0 | $24K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 4.79% |
| WESTLUND ASSOCIATES3 Filed as: WESTLUND ASSOCIATES INC | PO 668 HUTCHINSON, MN 55350 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $770 | $0 | $770 | 5.50% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $443 | $279 | $722 | 5.16% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $274 | $1 | $275 | 1.97% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE, INC. | 6505 DEMPSEY AVENUE SW WAVERLY, MN 55390 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $193 | $36 | $229 | 1.64% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN MOFFATT LUCAS & OTHER AGENTS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $159 | $18 | $177 | 1.27% |
| ELIZABETH MARIE LANGEVIN3 | 698 WEST LARPENTEUR AVENUE ST PAUL, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $92 | $6 | $98 | 0.70% |
| JILL R LAMBERT3 Filed as: JILL R. LAMBERT | 12741 JEFFERSON STREET NE BLAINE, MN 55434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $3 | $62 | 0.44% |
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $890 | $0 | $890 | 9.20% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 285 | $2.1M |
| Dental | HEALTHPARTNERS INSURANCE COMPANY | 285 | $2.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 118 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $159K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $159K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $159K |
| Prescription drug | HEALTHPARTNERS INSURANCE COMPANY | 285 | $2.1M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.