| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELIABLE AGENCY, INC.3 Filed as: RELIABLE AGENCY INC. | 803 CARLTON AVE. CLOQUET, MN 55720 | DELTA DENTAL OF MINNESOTA | $10K | — | $10K | 9.24% |
| TJB AGENCIES LLC3 | STE 1 5629 GRAND AVE DULUTH, MN 55807 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| TJB AGENCIES LLC3 Filed as: TJB ANGENCIES LLC | STE 1 5629 GRAND AVENUE DULUTH, MN 55807 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.66% |
| TJB AGENCIES LLC3 | SUITE 1 5629 GRAND AVENUE DULUTH, MN 55807 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.02% |
| TJB AGENCIES LLC3 | STE 1 5629 GRAND AVE DULUTH, MN 55807 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| ENROLLEASE3 Filed as: HANRATTY & ASSOCIATES INC | 15350 25TH AVE N STE 114 PLYNOUTH, MN 55447 | UNION SECURITY INSURANCE COMPANY | $1K | $36 | $1K | 15.46% |
| TJB AGENCIES LLC3 Filed as: TJB AGENC. DBA SLTNS INS. AG. | SUITE 1 5629 GRAND AVENUE DULUTH, MN 55807 | UNION SECURITY INSURANCE COMPANY | $222 | — | $222 | 2.83% |
| KCA MARKETING INC DBA LEGAL BENEFIT4 Filed as: KCA MARKETING INC. | P.O. BOX 1833 SAINT CLOUD, MN 56302 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $671 | — | $671 | 9.53% |
| DAVID J. KLEINSMITH4 | P.O. BOX 1833 SAINT CLOUD, MN 56302 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $344 | — | $344 | 4.88% |
| PHILLIP J. DELALLO4 | 17828 NW 90TH ST SAINT MARYS, KS 66536 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $71 | — | $71 | 1.01% |
| RELIABLE AGENCY, INC.4 Filed as: RELIABLE AGENCY INC. | P.O. BOX 620 CLOQUET, MN 55720 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $50 | — | $50 | 0.71% |
| ERSTAD FINANCIAL, LLC4 Filed as: ERSTAD FINANCIAL LLC | SUITE 201 931 MADISON AVENUE MANKATO, MN 56001 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $48 | — | $48 | 0.68% |
| JOCELYNE M. KLEINSMITH4 | 514 3RD AVENUE NE SARTELL, MN 56377 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $31 | — | $31 | 0.44% |
| ENROLLEASE3 Filed as: HANRATTY & ASSOCIATES INC | 15350 25TH AVE N STE 114 PLYNOUTH, MN 55447 | UNION SECURITY INSURANCE COMPANY | $882 | $32 | $914 | 15.56% |
| TJB AGENCIES LLC3 Filed as: TJB AGENC. DBA SLTNS INS. AG. | SUITE 1 5629 GRAND AVENUE DULUTH, MN 55807 | UNION SECURITY INSURANCE COMPANY | $194 | — | $194 | 3.30% |
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 | 354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 269 | $107K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $69K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $37K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.