| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCNAMARA COMPANY3 | 1330 HIGHWAY 96 ST PAUL, MN 55110 | MEDICA INSURANCE COMPANY | $23K | $1K | $24K | 5.62% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | MEDICA INSURANCE COMPANY | $8K | — | $8K | 1.83% |
| STAPLES, KRISTOPHER A3 | 2906 UPPER 55TH STREET INVER, MN 55118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.92% |
| JOHNSON, TREVOR A3 | 2906 UPPER 55TH STREET INVER GROVE HEIGHTS, MN 55076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.92% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DELTA DENTAL OF MINNESOTA | $4K | — | $4K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $332 | $2K | 6.43% |
| MCNAMARA COMPANY3 | 1330 E HWY 96 ST PAUL, MN 55110 | UNITED CONCORDIA INSURANCE COMPANY | $1K | — | $1K | 4.35% |
| STAPLES, KRISTOPHER A3 | 2906 UPPER 55TH STREET INVER, MN 55118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.50% |
| JOHNSON, TREVOR A3 | 2906 UPPER 55TH STREET INVER GROVE HEIGHTS, MN 55076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.50% |
| MACARIO CORPORATION3 | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.51% |
| STAPLES, KRISTOPHER A3 | 2906 UPPER 55TH STREET INVER, MN 55118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $644 | — | $644 | 4.21% |
| JOHNSON, TREVOR A3 Filed as: JOHNSON, TREVOR, ADAM | 2906 UPPER 55TH STREET INVER GROVE HEIGHTS, MN 55076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $443 | — | $443 | 2.89% |
| AUSMAN BRIDGET3 Filed as: AUSMAN, BRIDGET | 1086 HOWARD STREET SAN FRANCISCOO, CA 94103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $156 | — | $156 | 1.02% |
| STAPLES, KRISTOPHER A3 | 2906 UPPER 55TH STREET INVER, MN 55118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.23% |
| JOHNSON, TREVOR A3 | 2906 UPPER 55TH STREET INVER GROVE HEIGHTS, MN 55076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.23% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MINNESOTA | 228 | $73K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $121K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $102K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $116K |
| Stop-loss / reinsurancereinsurance | MEDICA INSURANCE COMPANY | 246 | $431K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.