| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC. | 55 EAST 5TH STREET, SUITE 500 SAINT PAUL, MN 55101 | DELTA DENTAL OF MINNESOTA | $6K | $0 | $6K | 6.87% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 12.97% |
| RUSSELL M HULS3 Filed as: RUSSELL M. HULS | 13008 GLEN COVE ROAD COLD SPRING, MN 56320 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| RONALD DIETL3 Filed as: RONALD S. DIETL | PO BOX 42 CLEAR LAKE, MN 55319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.96% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE SUITE 400 BLOOMINGTON, MN 55437 | CONTINENTAL AMERICAN INSURANCE COMPANY | $991 | $0 | $991 | 3.72% |
| SCOTT A. BRAATEN3 | 19476 IRVING CIRCLE NW ELK RIVER, MN 55330 | CONTINENTAL AMERICAN INSURANCE COMPANY | $637 | $0 | $637 | 2.39% |
| MANNY AM LLC3 | 1048 INDEPENDENT AVENUE SUITE 207A GRAND JUNCTION, CO 81505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $440 | $0 | $440 | 1.65% |
| GARY JOSEPH NIEHOFF3 Filed as: GARY J. NIEHOFF | 1111 1/2 4 1/2 AVENUE NORTH SAUK RAPIDS, MN 56379 | CONTINENTAL AMERICAN INSURANCE COMPANY | $130 | $0 | $130 | 0.49% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 254 | $81K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $68K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 142 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $68K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.