| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELIABLE AGENCY, INC.3 | 803 CARLTON AVENUE CLOQUET, MN 55720 | DELTA DENTAL OF MINNESOTA | $15K | $0 | $15K | 9.87% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $2K | $20K | 15.83% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON ROAD ROYALTON, MN 56373 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $872 | $4K | 7.69% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE BLOOMINGTON, MN 55437 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $51 | $4K | 6.50% |
| ASHLEY MARIA HOUTMAN3 | 3108 WESTEDGE BOULEVARD MOUND, MN 55364 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $305 | $2K | 3.72% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGER, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $646 | $2K | 3.03% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH MARIE LANGEVIN AND AGENTS | 698 WEST LARPENTEUR AVENUE SAINT PAUL, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $318 | $2K | 2.87% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | UNKNOWN DULUTH, MN 49316 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $10 | $1K | 2.28% |
| CARRIE S FLATEN3 Filed as: CARRIE S. FLATEN | 2606 86TH COURT WEST NORTHFIELD, MN 55057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $994 | $146 | $1K | 2.02% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE BLOOMINGTON, MN 55437 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC. | 55 EAST 5TH STREET, SUITE 500 SAINT PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.00% |
| RELIABLE AGENCY, INC.4 | PO BOX 620 CLOQUET, MN 55720 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $581 | $0 | $581 | 13.91% |
| KCA MARKETING INC DBA LEGAL BENEFIT4 Filed as: KCA MARKETING, INC. | PO BOX 1702 MAPLE GROVE, MN 55311 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $90 | $0 | $90 | 2.15% |
| DAVID J. KLEINSMITH4 | PO BOX 1833 SAINT CLOUD, MN 56302 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $76 | $0 | $76 | 1.82% |
| ERSTAD FINANCIAL, LLC4 | 201 PANTHER TRAIL MANKATO, MN 56001 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $22 | $0 | $22 | 0.53% |
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 | 300 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 436 | $156K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 248 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $129K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 97 | $56K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $129K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.