| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW C FELKNOR3 Filed as: MATTHEW FELKNOR | 9333 CEDAR CIRCLE BLOOMINGTON, MN 55425 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 12.87% |
| MARC A GROVE3 Filed as: MARC ALAN GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.33% |
| MATTHEW C FELKNOR3 Filed as: MATTHEW FELKNOR | 9333 CEDAR CIRCLE BLOOMINGTON, MN 55425 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $500 | $3K | 15.80% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $800 | $1K | $2K | 10.52% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $524 | $600 | $1K | 6.49% |
| TR INSURANCE ADVISORS INC3 | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $969 | $137 | $1K | 6.39% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN MOFFAT LUCAS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $212 | $113 | $325 | 1.88% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | $111 | $317 | 1.83% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | $58 | $264 | 1.52% |
| RYAN BENEFITS INC3 Filed as: RYAN CHRISTOPHER TRUCHON | 2297 119TH CIR NE MINNEAPOLIS, MN 55449 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | $92 | $243 | 1.40% |
| MATTHEW C FELKNOR3 Filed as: MATTHEW FELKNOR | 9333 CEDAR CIRCLE BLOOMINGTON, MN 55425 | DDMN ASO, LLC | $2K | — | $2K | 11.06% |
| MATTHEW C FELKNOR3 Filed as: MATTHEW CHARLES FELKNOR | 9333 CEDAR CIRCLE BLOOMINGTON, MN 55425 | HEALTHPARTNERS INSURANCE COMPANY | — | $45K | $45K | — |
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 | 200 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 270 | $0 |
| Dental | DDMN ASO, LLC | 279 | $15K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 25 | $91K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 25 | $91K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 74 | $108K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 25 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
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.