| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELIABLE AGENCY, INC.3 | 803 CARLTON AVENUE CLOQUET, MN 55720 | DELTA DENTAL OF MINNESOTA | $16K | $0 | $16K | 10.96% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE, SUITE 400 BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $3K | $21K | 15.17% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE, SUITE 400 BLOOMINGTON, MN 55437 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $21 | $5K | 7.09% |
| JAQUELINE BARTHELEMY3 | 7573 HILTON ROAD ROYALTON, MN 56373 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $353 | $3K | 4.78% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | UNKNOWN DULUTH, MN 49316 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $323 | $2K | 3.65% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $927 | $2K | 2.90% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH MARIE LANGEVEN | 698 WEST LARPENTEUR AVENUE ST. PAUL, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $453 | $2K | 2.37% |
| ASHLEY MARIA HOUTMAN3 | 3108 WESTEDGE BOULEVARD MOUND, MN 55364 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $268 | $2K | 2.35% |
| TR INSURANCE ADVISORS INC3 Filed as: TR INSURANCE ADVISORS, INC. | 1009 EIGHTH AVENUE NE WASECA, MN 56093 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $704 | $65 | $769 | 1.13% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE, SUITE 400 BLOOMINGTON, MN 55437 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC. | 55 EAST 5TH STRETE, 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 | $1K | $0 | $1K | 21.99% |
| 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 | $87 | $0 | $87 | 1.48% |
| DAVID J. KLEINSMITH4 | PO BOX 610 MAPLE HILL, KS 66507 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $76 | $0 | $76 | 1.29% |
| ERSTAD FINANCIAL, LLC4 | 201 PANTHER TRAIL MANKATO, MN 56001 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $22 | $0 | $22 | 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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 396 | $148K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 241 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 415 | $136K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 115 | $68K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 415 | $136K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 415 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.