| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLAGSHIP INSURANCE SERVICES INC3 | PO BOX 99 131 6TH ST N WINSTED, MN 55395 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $5K | $12K | 8.35% |
| BENEUSA LLC3 | 261 SCHOOL AVE STE 350 EXCELSIOR, MN 55331 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.82% |
| FLAGSHIP INSURANCE SERVICES INC3 Filed as: FLAGSHIP INSURANCE SERVICES | PO BOX 99 WINSTED, MN 55395 | VISION SERVICE PLAN | $1K | $0 | $1K | 6.24% |
| EASECENTRAL3 | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $163 | $0 | $163 | 0.81% |
| FLAGSHIP INSURANCE SERVICES INC3 | 131 6TH STREET N PO BOX 99 WINSTED, MN 55395 | LIFE INSURANCE COMPANY OF NORHT AMERICA | $3K | $0 | $3K | 16.04% |
| FLAGSHIP INSURANCE SERVICES INC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| BENEUSA LLC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $510 | $510 | 5.00% |
| FLAGSHIP INSURANCE SERVICES INC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $388 | $0 | $388 | 14.99% |
| BENEUSA LLC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $129 | $129 | 4.98% |
| FLAGSHIP INSURANCE SERVICES INC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $109 | $0 | $109 | 7.99% |
| BENEUSA LLC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $27 | $27 | 1.98% |
| BENEUSA LLC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $68 | $68 | 5.06% |
| FLAGSHIP INSURANCE SERVICES INC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $88 | $0 | $88 | 29.93% |
| BENEUSA LLC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $29 | $29 | 9.86% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 403 | $155K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 140 | $21K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 403 | $145K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 403 | $147K |
| Stop-loss / reinsurancereinsurance | BLUE LINK | 117 | $785K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORHT AMERICA | 279 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.