| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | MEDICA INSURANCE COMPANY | $34K | — | $34K | 6.61% |
| STAPLES, KRISTOPHER A3 | 2906 UPPER 55TH STREET INVER, MN 55118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.62% |
| JOHNSON, TREVOR A3 | 2906 UPPER 55TH STREET INVER GROVE HEIGHTS, MN 55076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.62% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DELTA DENTAL OF MINNESOTA | $8K | — | $8K | 9.15% |
| MACARIO CORPORATION3 | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $62 | $5K | 20.54% |
| STAPLES, KRISTOPHER A3 | 2906 UPPER 55TH STREET INVER, MN 55118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.81% |
| JOHNSON, TREVOR A3 Filed as: JOHNSON, TREVOR, ADAM | 2906 UPPER 55TH STREET INVER GROVE HEIGHTS, MN 55076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.35% |
| AUSMAN BRIDGET3 Filed as: AUSMAN, BRIDGET | 1086 HOWARD STREET SAN FRANCISCOO, CA 94103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $612 | — | $612 | 2.30% |
| STAPLES, KRISTOPHER A3 | 2906 UPPER 55TH STREET INVER, MN 55118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.90% |
| JOHNSON, TREVOR A3 | 2906 UPPER 55TH STREET INVER GROVE HEIGHTS, MN 55076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.90% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 225 | $86K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $163K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $137K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $137K |
| Stop-loss / reinsurancereinsurance | MEDICA INSURANCE COMPANY | 262 | $513K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.