| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 4699 ASHER DRIVE MINNETONKA, MN 55345 | DELTA DENTAL OF MINNESOTA | $8K | $0 | $8K | 12.39% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC. | 55 EAST 5TH STREET ST. PAUL, MN 55101 | DELTA DENTAL OF MINNESOTA | $4K | $0 | $4K | 6.20% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.44% |
| RUSSELL M HULS3 Filed as: RUSSELL M. HULS | 13008 GLEN COVE ROAD COLD SPRING, MN 56320 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| RONALD DIETL3 Filed as: RONALD S. DIETL | PO BOX 42 CLEAR LAKE, MN 55319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.75% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE, SUITE 400 MINNEAPOLIS, MN 55437 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.71% |
| SCOTT A. BRAATEN3 | 19476 IRVING CIRCLE NW ELK RIVER, MN 55330 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.43% |
| MANNY AM LLC3 | 1048 INDEPENDENT AVENUE, SUITE 207A GRAND JUNCTION, CO 81505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $691 | $0 | $691 | 1.64% |
| GARY JOSEPH NIEHOFF3 Filed as: GARY J. NIEHOFF | 1111 4 1/2 AVENUE NORTH SAUK RAPIDS, MN 56379 | CONTINENTAL AMERICAN INSURANCE COMPANY | $261 | $0 | $261 | 0.62% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 201 | $67K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $50K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 106 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $50K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.