| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | PO BOX 2158 MARK S LERMAN RIVERSIDE, CA 92516 | MEDICA INSURANCE COMPANY | $15K | — | $15K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTRNTL MOUNTAIN STATES LTD | 520 MAIN AVENUE SUITE 800 FARGO, ND 58103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $510 | $6K | 21.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 520 MAIN AVENUE SUITE 800 FARGO, ND 58103 | DELTA DENTAL OF MINNESOTA | $2K | — | $2K | 8.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 245 ROSELAWN AVENUE EAST SUITE 31 SAINT PAUL, MN 55117 | DELTA DENTAL OF MINNESOTA | $390 | — | $390 | 1.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 245 EAST ROSELAWN AVENUE ST PAUL, MN 55117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $45 | $1K | 5.64% |
| COORDINATED BENEFIT ADVISORS3 | 600 US 169 ST. LOUIS PARK, MN 55426 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $586 | $304 | $890 | 4.13% |
| ZACHARY M SWARTZENDRUBER3 | 600 US 169 ST. LOUIS PARK, MN 55426 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $794 | $81 | $875 | 4.07% |
| JERILYNNE STRAUSS3 | 31437 NAPLES STREET NORTHEAST CAMBRIDGE, MN 55008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $510 | $21 | $531 | 2.47% |
| NATALIE SUZANNE FONVILLE3 | 1600 THOMAS AVENUE NORTH MINNEAPOLIS, MN 55411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | $101 | $403 | 1.87% |
| JON SCOTT SWARTZENDRUBER3 | 600 HIGHWAY 169 SOUTH MINNEAPOLIS, MN 55426 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $386 | $7 | $393 | 1.83% |
| CURTIS LARSON3 | 11626 YUKON STREET NORTHWEST COON RAPIDS, MN 55433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $332 | — | $332 | 1.54% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | $73 | $232 | 1.08% |
| TERI L SWARTZENDRUBER3 | 4130 GIRARD AVENUE NORTH MINNEAPOLIS, MN 55412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | $31 | $131 | 0.61% |
| LACIE M SWARTZENDRUBER3 | 4119 SHERIDAN AVENUE NORTH MINNEAPOLIS, MN 55412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.33% |
| SCOTT DANIEL JOHNSON3 | 4745 NARVIK DRIVE EAGAN, MN 55122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.21% |
| TIMOTHY JOHN ACHESON3 | 7108 NEWTON AVENUE SOUTH RICHFIELD, MN 55423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.11% |
| ANDREW JAMIN GRIMSLEY3 | 1639 GOETTENS WAY SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.11% |
| ESA JUKKA KATAJAMAKI3 | 3021 EAST MINNEHAHA PARKWAY MINNEAPOLIS, MN 55417 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.05% |
| ZACHARY GUSTAFSON3 | 9699 201ST AVENUE NORTHWEST ELK RIVER, MN 55330 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| ROBERT SCOTT BRUNER3 | 24620 EAST CEDAR LAKE DRIVE NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.03% |
| JEFFREY D HARNED3 Filed as: JEFFREY LYLES | 3872 BALLANTRAE ROAD EAGAN, MN 55122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTRNTL MOUNTAIN STATES LTD | 520 MAIN AVENUE SUITE 800 FARGO, ND 58103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $103 | $1K | 21.92% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 48 | $486K |
| Dental | DELTA DENTAL OF MINNESOTA | 40 | $24K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $5K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $27K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 113 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.