| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE SE SUITE 6 CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $635 | $12K | 9.37% |
| USI INSURANCE SERVICES LLC3 | 15350 25TH AVENUE NORTH, SUITE 114 PLYMOUTH, MN 55447 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $528 | $4K | 3.17% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE SUITE 400 BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $233 | $233 | 0.18% |
| RELIABLE AGENCY, INC.3 | 803 CARLTON AVENUE CLOQUET, MN 55720 | DELTA DENTAL OF MINNESOTA | $11K | $0 | $11K | 9.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MINNESOTA | $2K | $0 | $2K | 1.78% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | UNKNOWN DULUTH, MI 49316 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $390 | $6K | 13.09% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON ROAD ROYALTON, MN 56373 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 10.23% |
| ASHLEY MARIA HOUTMAN3 | 4011 BRADDOCK AVENUE NE BUFFALO, MN 55313 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $761 | $4K | 9.70% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $738 | $2K | 4.08% |
| CARRIE S FLATEN3 Filed as: CARRIE S. FLATEN | 2606 86TH COURT WEST NORTHFIELD, MN 55057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $238 | $1K | 3.01% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE SUITE 400 BLOOMINGTON, MN 55437 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $610 | $41 | $651 | 1.48% |
| JEFFREY MICHAEL OURADNIK3 Filed as: JEFFREY M OURADNIK AND OTHER AGENTS | 4203 PARKWAY DRIVE NISSWA, MN 56468 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $527 | $23 | $550 | 1.25% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC. | 55 EAST 5TH STREET, SUITE 500 SAINT PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $846 | $0 | $846 | 7.20% |
| RELIABLE AGENCY, INC.3 | PO BOX 620 CLOQUET, MN 55720 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $579 | $0 | $579 | 4.92% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE, SUITE 400 MINNEAPOLIS, MN 55437 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $478 | $0 | $478 | 4.07% |
| RELIABLE AGENCY, INC.4 | PO BOX 620 CLOQUET, MN 55720 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $365 | $0 | $365 | 9.41% |
| KCA MARKETING INC DBA LEGAL BENEFIT4 Filed as: KCA MARKETING, INC. | PO BOX 1833 SAINT CLOUD, MN 56302 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $117 | $0 | $117 | 3.02% |
| DAVID J. KLEINSMITH4 | PO BOX 1833 SAINT CLOUD, MN 56302 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $104 | $0 | $104 | 2.68% |
| ERSTAD FINANCIAL, LLC4 | 201 PANTHER TRAIL MANKATO, MN 56001 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $22 | $0 | $22 | 0.57% |
| PHILLIP J. DELALLO4 | 17828 NW 90TH STREET SAINT MARYS, KS 66536 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $14 | $0 | $14 | 0.36% |
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 | 280 | 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) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 365 | $122K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 229 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 369 | $128K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 369 | $128K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 369 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.