| 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 | $23K | — | $23K | 3.00% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 5.85% |
| EMPLOYEE BENEFIT ADVANTAGES INC3 | 14740 BOWERS DRIVE NORTHWEST RAMSEY, MN 55303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $60 | $4K | 5.84% |
| 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 | $4K | — | $4K | 4.68% |
| STEVE GOTTWALT CONSULTING LLC3 | 1753 COTTONWOOD CIRCLE SAINT CLOUD, MN 56303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.61% |
| ANDREW JAMIN GRIMSLEY3 | 1639 GOETTENS WAY SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $220 | $2K | 2.67% |
| JEFFREY MICHAEL OURADNIK3 | 4203 PARKWAY DRIVE NISSWA, MN 56468 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $32 | $2K | 2.11% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $514 | $192 | $706 | 0.94% |
| CURTIS LARSON3 | 11626 YUKON STREET NORTHWEST COON RAPIDS, MN 55433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $652 | $26 | $678 | 0.90% |
| ELIZABETH MARIE LANGEVIN3 | 698 WEST LARPENTEUR AVENUE SAINT PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $384 | $163 | $547 | 0.73% |
| JILL R LAMBERT3 | 12741 JEFFERSON STREET NORTHEAST BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | $110 | $439 | 0.59% |
| CARRIE S FLATEN3 | 2606 86TH COURT WEST NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $330 | $75 | $405 | 0.54% |
| MATTHEW WALLUM3 | 902 ROSEWOOD DRIVE HARRISBURG, SD 57032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $276 | $28 | $304 | 0.41% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $116 | $268 | 0.36% |
| ATB INSURANCE INC3 | 15861 60TH AVENUE NORTH PLYMOUTH, MN 55446 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $198 | $1 | $199 | 0.27% |
| ZACHARY GUSTAFSON3 | 9699 201ST AVENUE NORTHWEST ELK RIVER, MN 55330 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 0.21% |
| LINDA PARKER3 | 2067 26TH AVENUE NORTHWEST ROCHESTER, MN 55901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 0.18% |
| OLUJIMI DAVIS3 | 715 LOGAN AVENUE NORTH MINNEAPOLIS, MN 55411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.15% |
| JASON BAHR3 | 7072 FAIRVIEW ROAD BAXTER, MN 56425 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $16 | $74 | 0.10% |
| JOSHUA ALAN HAHN3 | 47989 247TH STREET DELL RAPIDS, SD 57022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.04% |
| 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 | 6.96% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS INC. | 55 EAST 5TH STREET SUITE 500 ST PAUL, MN 55101 | DELTA DENTAL OF MINNESOTA | $2K | — | $2K | 3.48% |
| JOSEPH R HASLING3 | 225 SOUTH 6TH STREET SUITE 2900 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| RUSSELL M HULS3 | 13008 GLEN COVE ROAD COLD SPRING, MN 56320 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 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, 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, 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, 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% |
| 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 | $1K | — | $1K | 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 | 211 | 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) | 211 | 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 | 84 | $782K |
| Dental | DELTA DENTAL OF MINNESOTA | 95 | $63K |
| Life insurance(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $59K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $50K |
| Other(6 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 183 | $915K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.