| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 8331 NORMAN CENTER DRIVE, SUITE 500 BLOOMINGTON, MN 55437 | MEDICA INSURANCE COMPANY | $110K | $4K | $114K | 4.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 400 HIGHWAY 169 SOUTH, 8TH FLOOR SAINT LOUIS PARK, MN 55426 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $57 | $27K | 13.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1018 WEST 9TH AVENUE KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203312 DALLAS, TX 75320 | DELTA DENTAL OF MINNESOTA | $5K | — | $5K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 400 HIGHWAY 169 SOUTH, SUITE 800 SAINT LOUIS PARK, MN 55426 | VISION SERVICE PLAN | $1K | — | $1K | 4.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 400 HIGHWAY 169 SOUTH, SUITE 800 MINNEAPLIS, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 8.43% |
| JON SCOTT SWARTZENDRUBER3 Filed as: JON SWARTZENDRUBER AND OTHER AGENTS | 600 HIGHWAY 169 SOUTH MINNEAPOLIS, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $691 | $128 | $819 | 2.70% |
| LACIE M SWARTZENDRUBER3 Filed as: LACIE M. SWARTZENBRUBER | 4119 SHERIDAN AVENUE NORTH MINNEAPOLIS, MN 55412 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $667 | $78 | $745 | 2.46% |
| RYAN ANDREW DEHN3 | 4119 SHERIDAN AVENUE NORTH MINNEAPOLIS, MN 55412 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $588 | — | $588 | 1.94% |
| SHARON L. KONIECZNY3 | 12610 50TH AVENUE PLYMOUTH, MN 55442 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $504 | $2 | $506 | 1.67% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYES BENEFIT GROUP, LLC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $368 | — | $368 | 1.21% |
| CARRIE S FLATEN3 Filed as: CARRIE S. FLATEN | 2606 86TH COURT WEST NORTHFIELD, MN 55057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $304 | — | $304 | 1.00% |
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 | 389 | 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) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 471 | $2.8M |
| Dental | DELTA DENTAL OF MINNESOTA | 477 | $179K |
| Vision | VISION SERVICE PLAN | 167 | $32K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,100 | $197K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,100 | $197K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,100 | $197K |
| Prescription drug | MEDICA INSURANCE COMPANY | 471 | $2.7M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 50 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,100 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.