| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL ANDERSON3 Filed as: MICHAEL ANDERSON AGENCY | 3800 AMERICAN BLVD STE 1500 EDINA, MN 55431 | BCBSMN, INC, D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $35K | — | $35K | 5.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET 700 MINNEAPOLIS, MN 55402 | BCBSMN, INC, D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $25K | $3K | $29K | 4.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 80 SOUTH 8TH STREET 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 22.39% |
| MICHAEL ANDERSON3 | 11670 FOUNTAINS DRIVE SUITE 200 MAPLE GROVE, MN 55369 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 8.97% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.57% |
| MICHAEL ANDERSON3 | 11670 FOUNTAINS DRIVE SUITE 200 MAPLE GROVE, MN 55369 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 80 SOUTH 8TH STREET 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $208 | $2K | 7.44% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 5.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $488 | — | $488 | 2.06% |
| MICHAEL ANDERSON3 Filed as: MICHAEL ANDERSON AGENCY | 11670 FOUNTAINS DRIVE SUITE 200 MAPLE GROVE, MN 55369 | HEALTHPARTNERS ADMINISTRATORS, INC | $3K | — | $3K | 18.23% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET 700 MINNEAPOLIS, MN 55402 | HEALTHPARTNERS ADMINISTRATORS, INC | $3K | — | $3K | 15.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | PO BOX 749140 ATLANTA, GA 30374 | UNUM INSURANCE COMPANY | $3K | $369 | $3K | 19.46% |
| MICHAEL ANDERSON3 | 11670 FOUNTAINS DRIVE SUITE 200 MAPLE GROVE, MN 55369 | UNUM INSURANCE COMPANY | $330 | — | $330 | 2.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | PO BOX 749140 ATLANTA, GA 30374 | UNUM INSURANCE COMPANY | $2K | $79 | $2K | 15.61% |
| MICHAEL ANDERSON3 | 11670 FOUNTAINS DRIVE SUITE 200 MAPLE GROVE, MN 55369 | UNUM INSURANCE COMPANY | $641 | — | $641 | 6.18% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM INSURANCE COMPANY | $161 | — | $161 | 1.55% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET 700 MINNEAPOLIS, MN 55402 | EYEMED VISION CARE | $553 | — | $553 | 5.96% |
| MICHAEL D BECKER3 Filed as: MICHAEL JAMES ANDERSON | 3800 AMERICAN BLVD STE 1500 EDINA, MN 55431 | EYEMED VISION CARE | $466 | — | $466 | 5.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | PO BOX 749140 ATLANTA, GA 30374 | UNUM INSURANCE COMPANY | $2K | $219 | $2K | 20.17% |
| MICHAEL ANDERSON3 | 11670 FOUNTAINS DRIVE SUITE 200 MAPLE GROVE, MN 55369 | UNUM INSURANCE COMPANY | $142 | — | $142 | 1.54% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM INSURANCE COMPANY | $51 | — | $51 | 0.55% |
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. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSMN, INC, D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 144 | $663K |
| Dental | HEALTHPARTNERS ADMINISTRATORS, INC | 145 | $18K |
| Vision | EYEMED VISION CARE | 110 | $9K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $91K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $67K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.