| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIM HANRATTY3 | 15350 25TH AVENUE NORTH, SUITE 114 MINNEAPOLIS, MN 55447 | HEALTHPARTNERS | $53K | $61K | $114K | 7.39% |
| ENROLLEASE3 Filed as: HANRATTY AND ASSOCIATES, INC. | 15350 25TH AVENUE NORTH, SUITE 114 PLYMOUTH, MN 55447 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $5K | $19K | 21.03% |
| WELLS FARGO INSURANCE SERVICES3 | 400 HIGHWAY 169 SOUTH SAINT LOUIS PARK, MN 55426 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.03% |
| ENROLLEASE3 Filed as: HANRATTY AND ASSOCIATES | 15350 25TH AVENUE NORTH SUITE 114 MINNEAPOLIS, MN 55447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $297 | $3K | 11.70% |
| ARLO I MATHISON3 Filed as: ARLO I. MATHISON | 28118 141ST STREET NW ZIMMERMAN, MN 55398 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $39 | $1K | 5.02% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON ROAD ROYALTON, MN 56373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $819 | $165 | $984 | 4.16% |
| MELISSA ARMATIS3 Filed as: MELISSA JEAN WOKASCH | 12549 STILKE LAKE ROAD FRAZEE, MN 56544 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $594 | $48 | $642 | 2.71% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $404 | $230 | $634 | 2.68% |
| TYLER HERRINGTON TORBETT3 Filed as: TYLER JAMES JENDRO | 1100 11TH AVENUE SE SAINT CLOUD, MN 56304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.52% |
| MJ INSURANCE3 Filed as: MICHELLE HALLER AND VARIOUS AGENTS | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $41 | $116 | 0.49% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS | 193 | $1.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $88K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $88K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $88K |
| Prescription drug | HEALTHPARTNERS | 193 | $1.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.