| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203373 DALLAS, TX 75320 | HEALTHPARTNERS INSURANCE COMPANY | — | $37K | $37K | 2.74% |
| ENROLLEASE3 Filed as: HANRATTY AND ASSOCIATES, INC. | 15350 25TH AVENUE NORTH, SUITE 114 MINNEAPOLIS, MN 55447 | HEALTHPARTNERS INSURANCE COMPANY | — | $2K | $2K | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 400 HIGHWAY 169 SOUTH, SUITE 800 SAINT LOUIS PARK, MN 55426 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $27 | $17K | 15.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1018 WEST 9TH AVENUE KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.39% |
| ENROLLEASE3 Filed as: HANRATTY AND ASSOCIATES, INC. | 15350 25TH AVENUE NORTH, SUITE 114 PLYMOUTH, MN 55447 | METROPOLITAN LIFE INSURANCE COMPANY | -$1K | -$481 | -$2K | -1.53% |
| ENROLLEASE3 Filed as: HANRATTY AND ASSOCIATES, INC. | 15350 25TH AVENUE NORTH, SUITE 114 MINNEAPOLIS, MN 55447 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $873 | $143 | $1K | 4.42% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON ROAD ROYALTON, MN 56373 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $616 | $50 | $666 | 2.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 15350 25TH AVENUE NORTH PLYMOUTH, MN 55447 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $593 | $29 | $622 | 2.71% |
| ARLO I MATHISON3 Filed as: ARLO I. MATHISON | 28118 141ST SREET NW ZIMMERMAN, MN 55398 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $388 | — | $388 | 1.69% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $284 | $76 | $360 | 1.57% |
| MELISSA ARMATIS3 Filed as: MELISSA JEAN WOKASCH | 12549 STILKE LAKE ROAD FRAZEE, MN 56544 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $266 | $3 | $269 | 1.17% |
| MJ INSURANCE3 Filed as: TYLER J. JENDRO AND VARIOUS AGENTS | 1100 11TH AVENUE SE SAINT CLOUD, MN 56304 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $183 | $64 | $247 | 1.07% |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 210 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 223 | $110K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 223 | $110K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 223 | $110K |
| Prescription drug | HEALTHPARTNERS INSURANCE COMPANY | 210 | $1.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 223 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
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.