| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELLINGSON INSURANCE GROUP LLC3 | 1016 CIVIC CENTER DR NW SUITE 102 ROCHESTER, MN 55901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.82% |
| JOHN TUSETH3 Filed as: JOHN ELLINGSON | 1016 CIVIC CENTER DR NW SUITE 102 ROCHESTER, MN 55901 | HEALTHPARTNERS, INC. | $2K | — | $2K | 7.04% |
| ELLINGSON INSURANCE GROUP LLC3 | 1016 CIVIC CENTER DR NW SUITE 102 ROCHESTER, MN 55901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| ELLINGSON INSURANCE GROUP LLC3 | 1016 CIVIC CENTER DR NW SUITE 102 ROCHESTER, MN 55901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| ELLINGSON INSURANCE GROUP LLC3 | 1016 CIVIC CENTER DR NW SUITE 102 ROCHESTER, MN 55901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $627 | — | $627 | 13.27% |
| JOHN TUSETH3 Filed as: JOHN G ELLINGSON | 1016 CIVIC CENTER DR NW SUITE 102 ROCHESTER, MN 55901 | PRINCIPAL LIFE INSURANCE COMPANY | $193 | — | $193 | 6.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | PRINCIPAL LIFE INSURANCE COMPANY | $129 | — | $129 | 4.01% |
| ELLINGSON INSURANCE GROUP LLC3 | 1016 CIVIC CENTER DR NW SUITE 102 ROCHESTER, MN 55901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $250 | — | $250 | 29.55% |
| ELLINGSON INSURANCE GROUP LLC3 | 1016 CIVIC CENTER DR NW SUITE 102 ROCHESTER, MN 55901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $169 | — | $169 | 31.01% |
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 | 69 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 69 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTHPARTNERS, INC. | 73 | $26K |
| Life insurance(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $18K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 130 | $3K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 29 | $9K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.