| 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 | $13K | — | $13K | 10.78% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | STE 6 215 N CENTRAL AVE DULUTH, MN 55807 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | STE 6 215 N CENTRAL AVE DULUTH, MN 55807 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.43% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | SUITE 6 215 N CENTRAL AVE DULUTH, MN 55807 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.69% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | STE 6 215 N CENTRAL AVE DULUTH, MN 55807 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| TJB AGENCIES LLC3 Filed as: TJB AGENCIES LLC DBA SOLUTIONS INS | 5629 GRAND AVE STE 1 DULUTH, MN 55807 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 53.31% |
| TJB AGENCIES LLC3 Filed as: TJB AGENCIES LLC DBA SOLUTIONS INS | 5629 GRAND AVE STE 1 DULUTH, MN 55807 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 46.50% |
| ERSTAD FINANCIAL, LLC4 Filed as: ERSTAD FINANCIAL LLC | SUITE 201 931 MADISON AVENUE MANKATO, MN 56001 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $200 | — | $200 | 4.84% |
| 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 | $165 | — | $165 | 3.99% |
| DAVID J. KLEINSMITH4 | P.O. BOX 1833 SAINT CLOUD, MN 56302 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $107 | — | $107 | 2.59% |
| JOCELYNE M. KLEINSMITH4 | 514 3RD AVE NE SARTELL, MN 56377 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $89 | — | $89 | 2.15% |
| RELIABLE AGENCY, INC.4 Filed as: RELIABLE AGENCY INC. | P.O. BOX 620 CLOQUET, MN 55720 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $42 | — | $42 | 1.02% |
| PHILLIP J. DELALLO4 | 17828 NW 90TH ST SAINT MARYS, KS 66536 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $14 | — | $14 | 0.34% |
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 | 309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 316 | $117K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 376 | $80K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 55 | $42K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 376 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.