| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: HANRATTY & ASSOCIATES, INC. | 15350 25TH AVENUE N, STE. 114 PLYMOUTH, MN 55447 | BCBSM, INC. DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $30K | — | $30K | 1.50% |
| MARC A GROVE0 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $9K | $18K | 16.35% |
| ENROLLEASE3 Filed as: HANRATTY AND ASSOCIATES | 15350 25TH AVE N, STE 114 MINNEAPOLIS, MN 55447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $2K | $13K | 11.61% |
| JACQUELINE BARTHELEMY0 | 7573 HILTON ROAD ROYALTON, MN 56373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 4.96% |
| TYLER HERRINGTON TORBETT0 Filed as: TYLER JAMES JENDRO | 1100 11TH AVENUE SE SAINT CLOUD, MN 56304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $698 | $6K | 4.89% |
| MELISSA ARMATIS0 Filed as: MELISSA JEAN WOKASCH | 12549 STILKE LAKE ROAD FRAZEE, MN 56544 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $480 | $5K | 4.03% |
| LORI LYNN PIERCE0 | 5909 CINNAMON OAKS DR CORPUS CHRISTI, TX 78414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $556 | $4K | 3.67% |
| ERNESTO ELOY GARCIA0 | 2600 YORKSHIRE STREET IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $985 | $4K | 3.47% |
| LISA D GARCIA0 | 710 WEST CANTU RD DEL RIO, TX 78840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $226 | $2K | 2.16% |
| TAMMY SUE FOWLER0 | 5513 FOX RUN DRIVE CORPUS CHRISI, TX 78413 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $182 | $2K | 1.53% |
| SA GENERAL AGENCY INC0 Filed as: SA GENERAL AGENCY | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $387 | $784 | $1K | 1.04% |
| BRIAN WHITE0 Filed as: BRIAN R MADTES | 1308 JAMES COOK WINDCREST, MN 55447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $746 | $384 | $1K | 1.01% |
| ARLO I MATHISON0 | 28118 141ST ST NW ZIMMERMAN, MN 55398 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $883 | $34 | $917 | 0.82% |
| GALLAGHER BENEFIT SERVICES, INC.0 Filed as: TAMARA BROWN GALLAGHER | 405 JOHNS ROAD BOERNE, TX 78413 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $398 | — | $398 | 0.35% |
| C DEAVEN BENEFITS0 | 714 SEYMOUR DRIVE FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | $125 | $316 | 0.28% |
| BOBBIE JO WORSHAM0 | 8903 APLAMADO DR MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | $75 | $303 | 0.27% |
| MICHELLE J HALLER0 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $51 | $120 | 0.11% |
| KAREN TYLER-DUNN0 Filed as: KAREN TYLER DUNN | 714 SEYMOUR DRIVE FRISCO, TX 78413 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $7 | $44 | 0.04% |
| MEGHAN MOFFATT LUCAS0 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $15 | $42 | 0.04% |
| ELIZABETH MARIE LANGEVIN0 | 698 WEST LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $14 | $41 | 0.04% |
| JILL R LAMBERT0 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $1 | $12 | 0.01% |
| DESIREE WENDELL0 | 40771 FENIAN WAY NORTH BRANCH, MN 55056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.01% |
| ENROLLEASE3 Filed as: HANRATTY & ASSOCIATES INC. | 15350 25TH AVENUE N, STE 114 PLYMOUTH, MN 55447 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $781 | $6K | 5.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC | 3400 CROASDAILE DRIVE, STE. 206 DURHAM, NC 55447 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 11.22% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP, INC. | 3400 CROASDAILE DRIVE, STE. 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC | 3400 CROASDAILE DRIVE, STE. 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 11.08% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP, INC. | 3400 CROASDAILE DRIVE, STE. 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3400 CROASDAILE DRIVE, STE. 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 11.22% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP INC. | 3400 CROASDAILE DRIVE, STE. 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.78% |
| MARSH & MCLENNAN AGENCY LLC3 | 3400 CROADSDAILE DRIVE, STE. 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.19% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP INC. | 3400 CROASDAILE DRIVE, STE. 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY, LLC | 3400 CROASDAILE DRIVE, STE. 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $640 | — | $640 | 10.98% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP INC. | 3400 CROASDAILE DRIVE, STE. 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $234 | — | $234 | 4.02% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSM, INC. DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 481 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 146 | $112K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 234 | $103K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $66K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 232 | $50K |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 234 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.