| 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 | $35K | $657 | $36K | 6.09% |
| STAPLES, KRISTOPHER A3 | 2906 UPPER 55TH STREET INVER, MN 55118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.63% |
| JOHNSON, TREVOR A3 | 2906 UPPER 55TH STREET INVER GROVE HEIGHTS, MN 55076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.63% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DELTA DENTAL OF MINNESOTA | $5K | — | $5K | 5.33% |
| MACARIO CORPORATION3 | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $120 | $3K | 10.22% |
| AUSMAN BRIDGET3 Filed as: AUSMAN, BRIDGET | 1086 HOWARD STREET SAN FRANCISCOO, CA 94103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $861 | — | $861 | 2.63% |
| STAPLES, KRISTOPHER A3 | 2906 UPPER 55TH STREET INVER, MN 55118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $720 | — | $720 | 2.20% |
| JOHNSON, TREVOR A3 Filed as: JOHNSON, TREVOR, ADAM | 2906 UPPER 55TH STREET INVER GROVE HEIGHTS, MN 55076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $692 | — | $692 | 2.11% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $153 | $153 | 0.47% |
| GROVE, MARC, A3 | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $64 | — | $64 | 0.20% |
| STAPLES, KRISTOPHER A3 | 2906 UPPER 55TH STREET INVER, MN 55118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.42% |
| JOHNSON, TREVOR A3 | 2906 UPPER 55TH STREET INVER GROVE HEIGHTS, MN 55076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.42% |
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 | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 232 | $95K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 250 | $169K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 250 | $143K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 250 | $143K |
| Stop-loss / reinsurancereinsurance | MEDICA INSURANCE COMPANY | 266 | $593K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 250 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.