| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 5.99% |
| SUPERIOR BENEFIT- ANTHONY CLEVELAND3 Filed as: SUPERIOR BENEFITS ADVISORS, LLC | 7900 INTERNATIONAL DRIVE, SUITE 990 BLOOMINGTON, MN 55425 | STANDARD INSURANCE COMPANY | $1K | $620 | $2K | 3.18% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 12.80% |
| MICHELLE J HALLER3 Filed as: MICHELLE J. HALLER | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 9.65% |
| SEVENHILLS CLEVELAND LLC3 Filed as: SEVENHILLS CLEVELAND, LLC | 7900 INTERNATIONAL DRIVE BLOOMINGTON, MN 55425 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 6.02% |
| EMPLOYEE BENEFIT ADVANTAGES INC3 Filed as: EMPLOYEE BNFT ADVANTAGES & OTHERS | 14740 BOWERS DRIVE NW RAMSEY, MN 55303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $659 | $110 | $769 | 3.32% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $382 | $48 | $430 | 1.86% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $396 | $0 | $396 | 1.71% |
| KELLY CAROLE LARSON3 | 11026 ZUMBROTA COURT NE BLAINE, MN 55449 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | $29 | $215 | 0.93% |
| SEVENHILLS CLEVELAND LLC3 Filed as: SEVENHILLS BENEFITS | 7900 INTERNATIONAL DRIVE, SUITE 990 BLOOMINGTON, MN 55425 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHEILD | $326 | $0 | $326 | 14.76% |
| STEVE BAKER3 | 153 ESTHER DRIVE COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHEILD | $56 | $0 | $56 | 2.54% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 128 | $76K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 33 | $23K |
| Long-term disability | STANDARD INSURANCE COMPANY | 128 | $53K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 128 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.