| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | MEDICA INSURANCE COMPANY | $20K | $2K | $21K | 2.43% |
| USI INSURANCE SERVICES LLC3 | 15350 25TH AVENUE NORTH PLYMOUTH, MN 55447 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $857 | $9K | 19.62% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 17.50% |
| JORDAN SCOTT LEHTOLA3 | 1609 BENSON ROAD MONTEVIDEO, MN 56265 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $4K | $8K | 16.04% |
| SCOTT DANIEL JOHNSON3 | 4745 NARVID DRIVE EAGAN, MN 55122 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $196 | $4K | 8.04% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH LANGEVIN AND OTHER AGENTS | 698 WEST LARPENTEUR AVENUE SAINT PAUL, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $435 | $2K | 4.39% |
| DANIEL S SNIDER3 Filed as: DANIEL S. SNIDER | 303 22ND AVENUE WEST ALEXANDRIA, MN 56308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $785 | $932 | $2K | 3.58% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $588 | $352 | $940 | 1.96% |
| USI INSURANCE SERVICES LLC3 | 15350 25TH AVENUE NORTH, SUITE 114 PLYMOUTH, MN 55447 | UNION SECURITY INSURANCE COMPANY | $4K | $0 | $4K | 10.01% |
| USI INSURANCE SERVICES LLC3 | 15350 25TH AVENUE NORTH, SUITE 114 PLYMOUTH, MN 55447 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 14.64% |
| MGIS3 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $180 | $180 | 0.76% |
| USI INSURANCE SERVICES LLC3 | 1020 36TH STREET SOUTH FARGO, MN 58103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $478 | $0 | $478 | 9.70% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC. | 325 CEDAR STREET, SUITE 800 ST. PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $383 | $0 | $383 | 7.78% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 92 | $885K |
| Dental | UNION SECURITY INSURANCE COMPANY | 63 | $36K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 68 | $5K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 103 | $24K |
| Prescription drug | MEDICA INSURANCE COMPANY | 92 | $885K |
| Other(3 contracts, 3 carriers) | MEDICA INSURANCE COMPANY | 103 | $957K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.
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.