| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAPLES, KRISTOPHER A3 | 196 CONVER AVENUE W ST PAUL, MN 55118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.89% |
| JOHNSON, TREVOR A3 | 2906 UPPER 55TH STREET INVER GROVE HEIGHTS, MN 55076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.89% |
| MACARIO CORPORATION3 | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.68% |
| GROVE, MARC, A3 | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.13% |
| AUSMAN BRIDGET3 Filed as: AUSMAN, BRIDGET | 1086 HOWARD STREET SAN FRANCISCOO, CA 94103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.03% |
| STAPLES, KRISTOPHER A3 | 2906 UPPER 55TH STREET INVER, MN 55118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $898 | — | $898 | 2.71% |
| JOHNSON, TREVOR A3 Filed as: JOHNSON, TREVOR, ADAM | 2906 UPPER 55TH STREET INVER GROVE HEIGHTS, MN 55076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $786 | — | $786 | 2.38% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042, DEPT 3042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $596 | $57 | $653 | 1.97% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $441 | $441 | 1.33% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042, DEPT 3042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $367 | $3K | 11.16% |
| STAPLES, KRISTOPHER A3 | 196 CONVER AVENUE W ST PAUL, MN 55118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $898 | — | $898 | 3.21% |
| JOHNSON, TREVOR A3 | 2906 UPPER 55TH STREET INVER GROVE HEIGHTS, MN 55076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $898 | — | $898 | 3.21% |
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 | 235 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLINA HEALTH AND AETNA INSURANCE | 174 | $1.2M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $176K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $148K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $148K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.