| 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 | $5K | — | $5K | 3.10% |
| JOHNSON, TREVOR A3 | 2906 UPPER 55TH STREET INVER GROVE HEIGHTS, MN 55076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.10% |
| GROVE, MARC, A3 | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.35% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042, DEPT 3042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $164 | $2K | 4.31% |
| AUSMAN BRIDGET3 Filed as: AUSMAN, BRIDGET | 1086 HOWARD STREET SAN FRANCISCO, CA 94103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $933 | — | $933 | 2.11% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $290 | $290 | 0.66% |
| MACARIO CORPORATION3 | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $264 | — | $264 | 0.60% |
| STAPLES, KRISTOPHER A3 | 1055 LPL WAY FORT MILL, SC 29715 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $163 | — | $163 | 0.37% |
| JOHNSON, TREVOR A3 Filed as: JOHNSON, TREVOR, ADAM | 2906 UPPER 55TH STREET INVER GROVE HEIGHTS, MN 55076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $157 | — | $157 | 0.36% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042, DEPT 3042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $657 | $6K | 17.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $411 | $2K | 15.38% |
| GROVE, MARC, A3 Filed as: GROVE, MARC A. | 25900 AUTUMN WAY ROGERS, MN 55374 | STARMOUNT LIFE INSURANCE COMPANY | $608 | — | $608 | 5.00% |
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 | 275 | 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) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 188 | $1.4M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 122 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $206K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $173K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $173K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.