| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: HANRATTY AND ASSOCIATES, INC. | 15350 25TH AVENEUE NORTH, SUITE 114 PLYMOUTH, MN 55447 | BCBSM, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $21K | — | $21K | 0.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 15350 25TH AVENEUE NORTH, SUITE 114 PLYMOUTH, MN 55447 | BCBSM, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $11K | — | $11K | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 3400 CROASDAILE DRIVE, SUITE 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | $5K | $38K | 17.51% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $27 | $3K | 2.57% |
| ENROLLEASE3 Filed as: HANRATTY AND ASSOCIATES, INC. | 15350 25TH AVENUE NORTH, SUITE 114 PLYMOUTH, MN 55447 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $73 | $3K | 2.55% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $982 | $982 | 0.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 15350 25TH AVENUE NORTH PLYMOUTH, MN 55447 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $46 | $6K | 5.63% |
| ENROLLEASE3 Filed as: HANRATTY AND ASSOCIATES | 15350 25TH AVENUE NORTH SUITE 114 MINNEAPOLIS, MN 55447 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $462 | $5K | 4.79% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 3.87% |
| MJ INSURANCE3 Filed as: LORI LYNN PIERCE AND VARIOUS AGENTS | 5909 CINNAMON OAKS DRIVE CORPUS CHRISTI, TX 78414 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $321 | $3K | 2.81% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON ROAD ROYALTON, MN 56373 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $246 | $2K | 1.84% |
| TYLER HERRINGTON TORBETT3 Filed as: TYLER JAMES JENDRO | 1100 11TH AVENUE SE SAINT CLOUD, MN 56304 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $93 | $2K | 1.75% |
| MELISSA ARMATIS3 Filed as: MELISSA JEAN WOKASCH | 12549 STILKE LAKE ROAD FRAZEE, MN 56544 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $20 | $1K | 1.17% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSM, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 483 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 259 | $128K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $218K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $218K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $218K |
| Prescription drug | BCBSM, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 483 | $2.2M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.