| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $5K | $18K | 15.12% |
| RUSSELL M HULS3 Filed as: RUSSELL M. HULS | 13008 GLEN COVE ROAD COLD SPRING, MN 56320 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.37% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MINNESOTA | $7K | $0 | $7K | 6.95% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS | 55 5TH STREET EAST, SUITE 500 SAINT PAUL, MN 55101 | DELTA DENTAL OF MINNESOTA | $3K | $0 | $3K | 3.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.90% |
| SCOTT ALAN BRAATEN3 | 8478 119TH AVENUE CLEAR LAKE, MN 55319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.38% |
| GARY JOSEPH NIEHOFF3 | 1111 1/2 4 1/2 AVENUE NORTH SAUK RAPIDS, MN 56379 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.27% |
| RONALD DIETL3 Filed as: RONALD S. DIETL | 13219 94TH STREET SE BECKER, MN 55308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.01% |
| ALYSSA J. BRAATEN3 | 8478 119TH AVENUE SE CLEAR LAKE, MN 55319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $798 | $0 | $798 | 1.74% |
| MANNY AM LLC3 Filed as: MANNY AM, LLC | 6282 DOUGLAS COURT NORTH CHAMPLIN, MN 55316 | CONTINENTAL AMERICAN INSURANCE COMPANY | $318 | $0 | $318 | 0.70% |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 274 | $94K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $120K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $120K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $120K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.