| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELIABLE AGENCY, INC.3 | PO BOX 620 CLOQUET, MN 55720 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD FORT LAUDERDALE, FL 33308 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 5.63% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $72 | $4K | 5.34% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 4.04% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON ROAD ROYALTON, MN 56373 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $128 | $3K | 3.92% |
| ASHLEY MARIA HOUTMAN3 | 5447 BREEZY ROAD MOUND, MN 55364 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $958 | $90 | $1K | 1.42% |
| MJ INSURANCE3 Filed as: CARRIE S. FLATTEN & VARIOUS AGENTS | 2702 86TH COURT WEST NORTHFIELD, MN 55057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $904 | $86 | $990 | 1.34% |
| ELIZABETH MARIE LANGEVIN3 | 51685 BELLE ISLE DRIVE RUSH CITY, MN 55069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $697 | $30 | $727 | 0.99% |
| ACRISURE LLC3 | DBA SOLUTIONS AGENCIES DULUTH, MN 49316 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $379 | $8 | $387 | 0.53% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE SUITE 400 BLOOMINGTON, MN 55437 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.03% |
| RELIABLE AGENCY, INC.3 | PO BOX 620 CLOQUET, MN 55720 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $580 | $0 | $580 | 9.61% |
| DAVID J. KLEINSMITH3 | PO BOX 610 MAPLE HILL, KS 66507 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $75 | $0 | $75 | 1.24% |
| KCA MARKETING INC DBA LEGAL BENEFIT3 Filed as: KCA MARKETING, INC. | PO BOX 1702 MAPLE GROVE, MN 55311 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $58 | $0 | $58 | 0.96% |
| ERSTAD FINANCIAL, LLC3 Filed as: ERSTAD FINANCIAL LLC | 211 CARDINAL DRIVE MANKATO, MN 56001 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $22 | $0 | $22 | 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 | 390 | 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) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 209 | $128K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 238 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 390 | $111K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 103 | $74K |
| Long-term disability | STANDARD INSURANCE COMPANY | 390 | $111K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 390 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.