| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE, SUITE 400 BLOOMINGTON, MN 55437 | MEDICA INSURANCE COMPANY | $27K | $581 | $28K | 3.06% |
| BOYS AND TYLER FIN GRP INC3 Filed as: BOYS & TYLER FINANCIAL GROUP INC. | 7700 EQUITABLE DRIVE EDEN PRAIRIE, MN 55344 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 4.64% |
| STEVE GOTTWALT CONSULTING LLC3 | 1753 COTTONWOOD CIRCLE SAINT CLOUD, MN 56303 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 4.45% |
| EMPLOYEE BENEFIT ADVANTAGES INC3 Filed as: EMPLOYEE BENEFIT ADVANTAGES INC. | 14740 BOWERS DRIVE NW RAMSEY, MN 55303 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.79% |
| JEFFREY MICHAEL OURADNIK3 Filed as: JEFFREY M. OURADNIK & OTHER AGENTS | PO BOX 578 NISSWA, MN 56468 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $74 | $2K | 1.95% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $827 | $217 | $1K | 1.35% |
| ANDREW JAMIN GRIMSLEY3 | 1639 GOETTENS WAY SAINT CLOUD, MN 56301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $837 | $17 | $854 | 1.10% |
| CARRIE S FLATEN3 Filed as: CARRIE S. FLATEN | 2606 86TH COURT WEST NORTHFIELD, MN 55057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $336 | $54 | $390 | 0.50% |
| USI INSURANCE SERVICES LLC3 | 4699 ASHER DRIVE MINNETONKA, MN 55345 | DELTA DENTAL OF MINNESOTA | $4K | $0 | $4K | 5.90% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS INC. | 55 EAST 5TH STREET ST. PAUL, MN 55101 | DELTA DENTAL OF MINNESOTA | $2K | $0 | $2K | 3.22% |
| BOYS AND TYLER FIN GRP INC3 Filed as: BOYS & TYLER FINANCIAL GROUP INC. | 7700 EQUITABLE DRIVE EDEN PRAIRIE, MN 55344 | DELTA DENTAL OF MINNESOTA | $370 | $0 | $370 | 0.54% |
| RUSSEL M. HULS3 | 13008 GLEN COVE ROAD COLD SPRING, MN 56320 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| JOSEPH R HASLING3 Filed as: JOSEPH R. HASLING | 225 SOUTH 6TH STREET, SUITE 2900 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.40% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.60% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 175 | $899K |
| Dental | DELTA DENTAL OF MINNESOTA | 193 | $69K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $58K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 110 | $77K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $58K |
| Prescription drug | MEDICA INSURANCE COMPANY | 175 | $899K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 188 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.