| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLV | 8000 NORMAN CENTER DRIVE, SUITE 400 BLOOMINGTON, MN 55437 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $439 | $7K | 9.18% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 5.77% |
| JORDAN SCOTT LEHTOLA3 | 1609 BENSON ROAD MONTEVIDEO, MN 56265 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $535 | $2K | 3.28% |
| MATTHEW WALLUM3 | 902 ROSEWOOD DRIVE HARRISBURG, SD 57032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $211 | $2K | 3.05% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M. LUCAS AND OTHER AGENTS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $645 | $2K | 2.96% |
| JOSHUA ALAN HAHN3 | 47989 247TH STREET DELL RAPIDS, SD 57022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.93% |
| ELIZABETH MARIE LANGEVIN3 | 698 WEST LARPENTEUR AVENUE SAINT PAUL, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $522 | $187 | $709 | 0.94% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 6.79% |
| USI INSURANCE SERVICES LLC3 | 15350 25TH AVENUE NORTH, SUITE 114 PLYMOUTH, MN 55447 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 5.06% |
| USI INSURANCE SERVICES LLC3 | 1 SEAGATE, SUITE 1850 TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $866 | $866 | 1.36% |
| MGIS3 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $180 | $180 | 0.28% |
| USI INSURANCE SERVICES LLC3 | 1020 36TH STREET SOUTH FARGO, ND 58103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $493 | $0 | $493 | 10.00% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC. | 325 CEDAR STREET, SUITE 800 SAINT PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $394 | $0 | $394 | 7.99% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 114 | $64K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 70 | $5K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 114 | $64K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 114 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.