| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE SUITE 400 BLOOMINGTON, MN 55437 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $3K | $24K | 17.44% |
| JULIE MARIE EDWARDS3 Filed as: JULIE M. EDWARDS | 1285 WEST ROYAL OAKS DRIVE SHOREVIEW, MN 55126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 10.65% |
| USI INSURANCE SERVICES LLC3 | 235 MAGRATH DARBY BOULEVARD SUITE 325 MOUNT PLEASANT, SC 29464 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 9.49% |
| LORI J THOMPSON3 Filed as: LORI J. THOMPSON | 6575 141ST STREET NW RAMSEY, MN 55303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.14% |
| LUCAS BAUMGARTNER3 | 20 LAKE STREET NORTH, SUITE 220 FOREST LAKE, MN 55025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203373 DALLAS, TX 75320 | EYEMED VISION CARE | $2K | $0 | $2K | 9.83% |
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 | 328 | 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) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 375 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 562 | $138K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 562 | $138K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 562 | $138K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 562 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.