| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOYS AND TYLER FIN GRP INC3 Filed as: BOYS & TYLER FINANCIAL GROUP INC | 7700 EQUITABLE DRIVE #204 EDEN PRAIRIE, MN 55344 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $21K | — | $21K | 3.00% |
| BOYS AND TYLER FIN GRP INC3 Filed as: BOYS & TYLER FINANCIAL GROUP INC | 7700 EQUITABLE DRIVE #204 EDEN PRAIRIE, MN 55344 | DELTA DENTAL OF MINNESOTA | $4K | — | $4K | 6.43% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS INC. | 55 EAST 5TH STREET SUITE 500 ST PAUL, MN 55101 | DELTA DENTAL OF MINNESOTA | $2K | — | $2K | 3.21% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 10.52% |
| EMPLOYEE BENEFIT ADVANTAGES INC3 | 14741 BOWERS DRIVE NORTHWEST RAMSEY, MA 55303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $258 | $5K | 9.84% |
| STEVE GOTTWALT CONSULTING LLC3 | 1753 COTTONWOOD CIRCLE SAINT CLOUD, MN 56303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $440 | $3K | 5.65% |
| BOYS AND TYLER FIN GRP INC3 Filed as: BOYS AND TYLER FINANCIAL GROUP INC | 7700 EQUITABLE DRIVE EDEN PRAIRIE, MN 55344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $259 | $3K | 5.28% |
| ANDREW JAMIN GRIMSLEY3 | 1639 GOETTENS WAY SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $444 | $2K | 5.13% |
| JEFFREY MICHAEL OURADNIK3 | 4203 PARKWAY DRIVE NISSWA, MN 56468 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $63 | $2K | 3.80% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $611 | $409 | $1K | 2.11% |
| CURTIS LARSON3 | 11626 YUKON STREET NORTHWEST COON RAPIDS, MN 55433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $882 | $68 | $950 | 1.96% |
| ELIZABETH MARIE LANGEVIN3 | 698 WEST LARPENTEUR AVENUE ST. PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $458 | $205 | $663 | 1.37% |
| JILL R LAMBERT3 | 12741 JEFFERSON STREET NORTHEAST BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $391 | $201 | $592 | 1.22% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $135 | $276 | 0.57% |
| LINDA PARKER3 | 2067 26TH AVENUE NORTHWEST ROCHESTER, MN 55901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.38% |
| OLUJIMI DAVIS3 | 715 LOGAN AVENUE NORTH MINNEAPOLIS, MN 55411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | — | $153 | 0.32% |
| MATTHEW WALLUM3 | 102 NORTH KROHN PLACE SUITE 206 SIOUX FALLS, SD 57103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $41 | $50 | 0.10% |
| CARRIE S FLATEN3 | 2606 86TH COURT WEST NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $5 | $22 | 0.05% |
| JASON BAHR3 | 7072 FAIRVIEW ROAD BAXTER, MN 56425 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.01% |
| RUSSELL M HULS3 | 13008 GLEN COVE ROAD COLD SPRING, MN 56320 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JOSEPH R HASLING3 | 225 SOUTH 6TH STREET SUITE 2900 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| RUSSELL M HULS3 | 13008 GLEN COVE ROAD COLD SPRING, MN 56320 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JOSEPH R HASLING3 | 225 SOUTH 6TH STREET SUITE 2900 MINNEAPOLIS, MA 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JOSEPH R HASLING3 | 225 SOUTH 6TH STREET SUITE 2900 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| RUSSELL M HULS3 | 13008 GLEN COVE ROAD COLD SPRING, MN 56320 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JOSEPH R HASLING3 | 225 S 6TH STREET, SUITE 2900 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| RUSSELL M HULS3 | 13008 GLEN COVE ROAD COLD SPRING, MN 56320 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| JOSEPH R HASLING3 | 225 SOUTH 6TH STREET SUITE 2900 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $801 | — | $801 | 10.00% |
| RUSSELL M HULS3 | 13008 GLEN COVE ROAD COLD SPRING, MN 56320 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $801 | — | $801 | 10.00% |
| RUSSELL M HULS3 | 13008 GLEN COVE ROAD COLD SPRING, MN 56320 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $727 | — | $727 | 10.00% |
| JOSEPH R HASLING3 | 225 SOUTH 6TH STREET SUITE 2900 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $727 | — | $727 | 10.00% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 92 | $702K |
| Dental | DELTA DENTAL OF MINNESOTA | 91 | $60K |
| Life insurance(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $55K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $33K |
| Other(6 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 127 | $805K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.