| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | MEDICA INSURANCE COMPANY | $26K | $0 | $26K | 3.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONJAL MOUNTAIN STATES | PO BOX 2158 RIVERSIDE, CA 92516 | MEDICA INSURANCE COMPANY | $242 | $0 | $242 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS, LLC | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | DELTA DENTAL OF MINNESOTA | $4K | $0 | $4K | 9.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $755 | $7K | 22.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES | 245 EAST ROSELAWN AVENU ST PAUL, MN 55117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.40% |
| ZACHARY M SWARTZENDRUBER3 Filed as: ZACHARY M SWRTZENDRUBER | 14128 BARIUM STREET NW ANOKA, MN 55303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1 | $1K | 3.52% |
| TERI L SWARTZENDRUBER3 | 1805 5TH AVENUE ANOKA, MN 55303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $493 | $0 | $493 | 1.65% |
| LACIE M SWARTZENDRUBER3 Filed as: LACIE DEHN | 2211 151ST AVENUE NW ANDOVER, MN 55304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $328 | $0 | $328 | 1.10% |
| NATALIE SUZANNE FONVILLE3 Filed as: NATALIE S FONVILLE AND OTHER AGENTS | 2415 ZENITH AVEUE NORTH GOLDEN VALLEY, MN 55422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | $10 | $290 | 0.97% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $48 | $124 | 0.41% |
| JENNAE LANDE3 | 620 SOUTH ALGER AVENUE RUSH CITY, MN 55069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $0 | $96 | 0.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS, LLC | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | HEALTH VENTURES NETWORK | $309 | $0 | $309 | 10.06% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 136 | $742K |
| Dental | DELTA DENTAL OF MINNESOTA | 74 | $41K |
| Vision | HEALTH VENTURES NETWORK | 34 | $3K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $30K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $30K |
| Prescription drug | MEDICA INSURANCE COMPANY | 136 | $742K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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."
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.