| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | PREFERREDONE INSURANCE COMPANY | $25K | — | $25K | 2.00% |
| ENROLLEASE3 Filed as: HANRATTY & ASSOCIATES | 15350 25TH AVENUE N PLYMOUTH, MN 55447 | PREFERREDONE INSURANCE COMPANY | $11K | — | $11K | 0.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 14.98% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLR NEW YORK, NY 10016 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $745 | $745 | 1.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $769 | — | $769 | 12.56% |
| USI INSURANCE SERVICES LLC3 | 15350 25TH AVE N, STE 114 MINNEAPOLIS, MN 55447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $655 | $9K | — |
| MARC A GROVE0 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | — |
| ELIZABETH MARIE LANGEVIN0 | 698 W LARPENTEUR AVE ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $874 | $174 | $1K | — |
| MEGHAN MOFFATT LUCAS0 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $543 | $255 | $798 | — |
| ANDREW JAMIN GRIMSLEY0 | 111 RAMBLING CREEK DR SE SAINT MICHAEL, MN 55376 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $640 | $86 | $726 | — |
| TERRI KAYE0 | 4320 43RD AVE S MINNEAPOLIS, MN 55406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $610 | — | $610 | — |
| TAMMY M DAHLBERG0 | 1009 8TH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $561 | $9 | $570 | — |
| NELS COREY JOHNSON0 | 25262 SLOTH ST NW ZIMMERMAN, MN 55398 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $494 | — | $494 | — |
| TR INSURANCE ADVISORS INC0 Filed as: TR INSURANCE ADVISORS | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $324 | $53 | $377 | — |
| JON OLSON0 | 5650 W 36TH ST APT 509 ST LOUIS PARK, MN 55416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $345 | $15 | $360 | — |
| JENNIFER B WILLIAMS0 | 17594 WIEDMAN WAY EDEN PRAIRIE, MN 55347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $28 | $354 | — |
| DESIREE WENDELL0 | 40771 FENIAN WAY NORTH BRANCH, MN 55056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $297 | $10 | $307 | — |
| JILL R LAMBERT0 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | $96 | $304 | — |
| JOHN CHARLES CHERRY0 | 120 7TH ST W HASTINGS, MN 55033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | — | $242 | — |
| LORNA STARR0 | 10632 VINCENT AVE S BLOOMINGTON, MN 55431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | — | $157 | — |
| CAROLYN GROVER0 | 206 FOX CHAPEL DR IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $14 | $89 | — |
| TERESA CAREY0 | 6169 NIAGARA LN N PLYMOUTH, MN 55446 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | — |
| WORLD INSURANCE ASSOCIATES LLC0 Filed as: KLH INSURANCE INC | 6481 TANAGER LANE EDEN PRAIRE, MN 55346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $13 | $69 | — |
| CAROL BARNES0 | 2561 FALCON RIDGE DRIVE GRAYSON, GA 30017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $8 | $61 | — |
| NORTH FLORIDA BENEFIT SOLUTIONS INC0 | 12659-1 PLUMMER GRAND RD JACKSONVILLE, FL 32258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $5 | $57 | — |
| RYAN BENEFITS INC0 Filed as: RYAN CHRISTOPHER TRUCHON | 12178 DRAKE ST COON RAPIDS, MN 55448 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $2 | $55 | — |
| JENNIFER GROVE0 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $4 | $42 | — |
| MICHELLE J HALLER0 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $11 | $26 | — |
| LAURA B WETT0 | 8194 HYDE AVE S COTTAGE GROVE, MN 55056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | — |
| BENJAMIN ACEVEDO0 | 16211 E GROVECENTER ST COVINA, GA 91722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $2 | $19 | — |
| ANDREW CHARLES FELLS0 Filed as: ANDREW CHARLES FELL | 331 WEST HUMPHREY ST LAKE CRYSTAL, MN 56055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $1 | $17 | — |
| KLD INSURANCE BENEFITS INC0 Filed as: KLD INSURANCE BENEFITS INC. | 9085 BETHEL RD GAINSVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $7 | $12 | — |
| SHEALY BENEFITS SERVICES INC0 Filed as: SHEALY BENEFITS SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $4 | $10 | — |
| ADVANCED BENEFIT SYSTEM INC0 Filed as: ADVANCED BENEFIT SYSTEMS | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $5 | $9 | — |
| ROBERT SCOTT BRUNER0 | 987 LACY CT BELLE PLAINE, MN 56011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $5 | $9 | — |
| CRAIG WAYNE SOTTILE3 | 408 CEDAR PINES DRIVE GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | — |
| KURT LOREN UNGLAUB0 | 221 WARREN AVE THOMASVILLE, GA 31792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $4 | $6 | — |
| CLARICE R MIMS0 | 172-90 HIGHLAND AVE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | — |
| JOHN D EVANGELISTA0 | 26111 ANTONIO PKWY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | — |
| WILLIAM BENJAMIN KIRKLAND0 | 1899 ATKINSON BLVD W PEARSON, GA 31642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | — |
| CARRIE S FLATEN0 | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | — |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREFERREDONE INSURANCE COMPANY | 236 | $1.3M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 127 | $6K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 230 | $50K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 108 | $0 |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 230 | $50K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 230 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.