| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: HANRATTY & ASSOCIATES | 15350 25TH AVENUE NORTH PLYMOUTH, MN 55447 | PREFERREDONE INSURANCE COMPANY | $22K | — | $22K | 2.00% |
| MARC A GROVE0 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $4K | $9K | 10.89% |
| ENROLLEASE3 Filed as: HANRATTY AND ASSOCIATES | 15350 25TH AVE N, STE 114 MINNEAPOLIS, MN 55447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 10.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRV LLC | 15350 25TH AVE N PLYMOUTH, MN 55447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $622 | $6K | 8.03% |
| JENNIFER B WILLIAMS0 | 17594 WIEDMAN WAY EDEN PRAIRIE, MN 55347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $257 | $2K | 2.52% |
| JON OLSON0 | 5650 W 36TH ST APT 509 ST LOUIS PARK, MN 55416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $345 | $2K | 2.26% |
| ELIZABETH MARIE LANGEVIN0 | 698 W LARPENTEUR AVE ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $458 | $2K | 2.13% |
| MEGHAN MOFFATT LUCAS0 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $759 | $479 | $1K | 1.53% |
| LORNA STARR0 | 10632 VINCENT AVE S BLOOMINGTON, MN 55431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $922 | — | $922 | 1.14% |
| ANDREW JAMIN GRIMSLEY0 | 111 RAMBLING CREEK DR SE SAINT MICHAEL, MN 55376 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $401 | $89 | $490 | 0.61% |
| TERESA CAREY0 | 6169 NIAGARA LN N PLYMOUTH, MN 55446 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $437 | — | $437 | 0.54% |
| RYAN BENEFITS INC0 Filed as: RYAN CHRISTOPHER TRUCHON | 12178 DRAKE ST COON RAPIDS, MN 55448 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | — | $303 | 0.37% |
| MICHELLE J HALLER0 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $136 | $271 | 0.34% |
| DESIREE WENDELL0 | 40771 FENIAN WAY NORTH BRANCH, MN 55056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $258 | $1 | $259 | 0.32% |
| NORTH FLORIDA BENEFIT SOLUTIONS INC0 | 12659-1 PLUMMER GRAND RD JACKSONVILLE, FL 32258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | $12 | $230 | 0.28% |
| JEFFREY MOYERS0 | 8840 W 136TH ST SAVAGE, MN 55378 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | $1 | $190 | 0.23% |
| ANDREW CHARLES FELLS0 | 331 W HUMPHREY ST LAKE CRYSTAL, MN 56055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $14 | $125 | 0.15% |
| TAMMY M DAHLBERG0 | 1009 8TH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $11 | $91 | 0.11% |
| NORMAN NYSTROM0 | 4304 BOONE AVE N NEW HOPE, MN 55428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.11% |
| JILL R LAMBERT0 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $5 | $86 | 0.11% |
| WORLD INSURANCE ASSOCIATES LLC0 Filed as: KLH INSURANCE INC | 6481 TANAGER LANE EDEN PRAIRE, MN 55346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $11 | $78 | 0.10% |
| MARK J ROBISON0 Filed as: MARK J ROBINSON | 1255 KIENAS ROAD KALISPELL, MT 59901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $11 | $52 | 0.06% |
| BENJAMIN ACEVEDO0 | 16211 E GROVECENTER ST COVINA, GA 91722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $3 | $43 | 0.05% |
| KURT LOREN UNGLAUB0 | 221 WARREN AVE THOMASVILLE, GA 31792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $22 | $38 | 0.05% |
| JENNIFER GROVE0 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $11 | $37 | 0.05% |
| ROBERT SCOTT BRUNER0 | 987 LACY CT BELLE PLAINE, MN 56011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $12 | $35 | 0.04% |
| JACK ALAN HENNINGSGAARD0 | 2562 LOST LAKE RD MOUND, MN 55364 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $14 | $31 | 0.04% |
| TIM JOHN COLLERAN0 | 2313 VILLAGE TERRACE BLOOMINGTON, MN 55431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.04% |
| CLARICE R MIMS0 | 172-90 HIGHLAND AVE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $3 | $24 | 0.03% |
| JILL RUX0 | 6491 MISTRAL LANE EDEN PRAIRIE, MN 55346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.03% |
| KAREN BOHLER0 | 12810 PRIMROSE LANE EDEN PRAIRIE, MN 55344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $3 | $17 | 0.02% |
| WILLIAM BENJAMIN KIRKLAND0 | 1899 ATKINSON BLVD W PEARSON, GA 31642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $1 | $17 | 0.02% |
| LAURA B WETT0 | 8496 100TH ST E NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $1 | $17 | 0.02% |
| PREMIUM WORKSITE SOLUTIONS INC0 | 806 NW 79TH ST VANCOUVER, WA 98665 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $7 | $13 | 0.02% |
| JOHN D EVANGELISTA0 | 26111 ANTONIO PKWY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.01% |
| BLUE SKY BENEFIT SOLUTIONS INC0 | 1500 39TH ST S SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | 0.01% |
| BRAD BIEL0 | 225 GRAND ST JERSEY CITY, NJ 07302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $4 | $5 | 0.01% |
| EVELYN GARCIA0 | 1562 1ST AVE NEW YORK, NY 10025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.06% |
| ENROLLEASE3 Filed as: HANRATTY & ASSOC INC | 15350 25TH AVE N, STE 114 PLYMOUTH, MN 55447 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.93% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.31% |
| ENROLLEASE3 Filed as: HANRATTY ASSOC INC | 15350 25TH AVENUE N, STE 114 PLYMOUTH, MN 55447 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $433 | — | $433 | 3.69% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREFERREDONE INSURANCE COMPANY | 208 | $1.1M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $38K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 106 | $81K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 227 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.