| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | RUSSEL L. BERMAN 701 B ST, FL 4 SAN DIEGO, CA 921018156 | MEDICA INSURANCE COMPANY | $33K | $0 | $33K | 1.31% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | LAURI A. HOPKINS 80 S. 8TH ST, SUITE 700 MINNEAPOLIS, MN 554022105 | MEDICA INSURANCE COMPANY | $12K | $6K | $18K | 0.72% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST SUITE 600 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $4K | $19K | 8.33% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP, LLC | 80 S. 8TH ST SUITE 700 MINNEAPOLIS, MN 554025345 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $954 | $4K | 1.90% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6TH FLOOR 701 B STREET SAN DIEGO, CA 92101 | DELTA DENTAL OF MINNESOTA, LLC | $5K | — | $5K | 2.98% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | SUITE 700 80 SOUTH, 8TH STREET MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MINNESOTA, LLC | $3K | — | $3K | 2.07% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $574 | $364 | $938 | 2.93% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $840 | $63 | $903 | 2.82% |
| ALLIANT INSURANCE SERVICES, INC.3 | 15400 28TH AVENUE NORTH PLYMOUTH, MN 55447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $756 | $25 | $781 | 2.44% |
| EMPLOYEE BENEFIT ADVANTAGES INC3 Filed as: EMPLOYEE BENEFIT ADVANTAGES, INC. | 14740 BOWERS DR NW RAMSEY, MN 55303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $583 | $4 | $587 | 1.83% |
| TYLER HERRINGTON TORBETT3 Filed as: TYLER JAMES JENDRO | 1401 5TH AVENUE SE APT 102 LITTLE FALLS, MN 56345 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $363 | $2 | $365 | 1.14% |
| JON OLSON3 | 5650 W 36TH ST APT 509 ST. LOUIS PARK, MN 55416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | $11 | $191 | 0.60% |
| SCOTT DANIEL JOHNSON3 | 4745 NARVIK DRIVE EAGAN, MN 55122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | $9 | $168 | 0.52% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $51 | $165 | 0.51% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $31 | $143 | 0.45% |
| DESIREE WENDELL3 | 40771 FENIAN WAY NORTH BRANCH, MN 55056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $6 | $115 | 0.36% |
| JILL R LAMBERT3 Filed as: JILL R. LAMBERT | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $21 | $94 | 0.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST BLOOMINGTON, MN 55431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.27% |
| ROBERT SCOTT BRUNER3 | 987 LACY CT BELLE PLAINE, MN 56011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $29 | $53 | 0.17% |
| MICHELLE J HALLER3 Filed as: MICHELLE J. HALLER | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $22 | $51 | 0.16% |
| JENNIFER B WILLIAMS3 Filed as: JENNIFER B. WILLIAMS | 17594 WIEDMAN WAY EDEN PRAIRIE, MN 55347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.15% |
| KELLY CAROLE LARSON3 | 11026 ZUMBROTA CT NE BLAINE, MN 55449 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $2 | $40 | 0.12% |
| CARRIE S FLATEN3 Filed as: CARRIE S. FLATEN | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $4 | $23 | 0.07% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE, INC.S | 6481 TANAGER LANE EDEN PRAIRIE, MN 55346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $3 | $16 | 0.05% |
| ANDREW JAMIN GRIMSLEY3 | 111 RAMBLING CREEK DR SE SAINT MICHAEL, MN 55376 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| JEFFREY D HARNED3 Filed as: JEFFREY LYLES | 3872 BALLANTRAE ROAD EAGAN, MN 55122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
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 | 469 | 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) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 461 | $2.5M |
| Dental | DELTA DENTAL OF MINNESOTA, LLC | 469 | $156K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 333 | $224K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 333 | $224K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 333 | $224K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 333 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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.
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.