| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELIABLE AGENCY, INC.3 Filed as: RELIABLE AGENCY INC. | 803 CARLTON AVE. P.O. BOX 620 CLOQUET, MN 55720 | DELTA DENTAL OF MINNESOTA | $11K | — | $11K | 9.14% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | STE 6 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $234 | $9K | 15.40% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | STE 6 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $137 | $4K | 11.25% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | SUITE 6 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $116 | $2K | 9.00% |
| VARIOUS - SEE ATTACHMENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $2K | $12K | 57.14% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | STE 6 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $47 | $2K | 15.39% |
| RELIABLE AGENCY, INC.4 Filed as: RELIABLE AGENCY INC | P.O. BOX 620 CLOQUET, MN 55720 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $148 | — | $148 | 3.91% |
| KCA MARKETING INC DBA LEGAL BENEFIT4 | P.O. BOX 1833 SAINT CLOUD, MN 56302 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $134 | — | $134 | 3.54% |
| DAVID J. KLEINSMITH4 Filed as: DAVID J KLEINSMITH | P.O. BOX 1833 SAINT CLOUD, MN 56302 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $104 | — | $104 | 2.75% |
| JOCELYNE M. KLEINSMITH4 Filed as: JOCELYNE M KLEINSMITH | 514 3RD AVE NE SARTELL, MN 56377 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $65 | — | $65 | 1.72% |
| ERSTAD FINANCIAL, LLC4 Filed as: ERSTAD FINANCIAL LLC | 201 PANTHER TRAIL MANKATO, MN 56001 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | — | $23 | 0.61% |
| PHILLIP J. DELALLO4 Filed as: PHILLIP J DELALLO | 17828 NW 90TH ST SAINT MARYS, KS 66536 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $14 | — | $14 | 0.37% |
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 | 356 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 349 | $123K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 371 | $86K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50 | $46K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 371 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.