| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | SYMETRA LIFE INSURANCE COMPANY | $232K | $13K | $244K | 23.82% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SYMETRA LIFE INSURANCE COMPANY | $232K | $10K | $242K | 23.61% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $667 | $0 | $667 | 2.09% |
| SAMANTHA A. JEAN3 Filed as: SAMANTHA A. JEAN AND OTHER AGENTS | 20 NORTH LAKE STREET, SUITE 220 FOREST LAKE, MN 55025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $265 | $0 | $265 | 0.83% |
| JOSEPH D. GRANDGENETT3 | 5683 409TH COURT NORTH BRANCH, MN 55056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $236 | $0 | $236 | 0.74% |
| MANUEL A MADRID3 Filed as: MANUEL MADRID | 1048 INDEPENDENT AVENUE, SUITE 207A GRAND JUNCTION, CO 81505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | $0 | $62 | 0.19% |
| ARIEL MARIE NOVAK3 Filed as: ARIEL M. NOVAK | UNKNOWN CENTER CITY, MN 55012 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | $0 | $61 | 0.19% |
| SHELLY LUCKEN3 | 4565 HUMMINGBIRD TRAIL NE PRIOR LAKE, MN 55372 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | $0 | $58 | 0.18% |
| VERONICA LYNN OFERT3 Filed as: VERONICA L. OFERT | 5640 NEVADA AVENUE CRYSTAL, MN 55428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.12% |
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 | 3,074 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,098 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CONTINENTAL AMERICAN INSURANCE COMPANY | 5 | $32K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 5,477 | $1.0M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 5,477 | $1.0M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 5,477 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,477 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.