| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | JONATHAN CICH 8000 NORMAN CENTER DR BLOOMINGTON, MN 55437 | MEDICA | $34K | — | $34K | 2.48% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | MEDICA | $7K | $506 | $8K | 0.56% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $7K | $14K | 9.33% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.95% |
| ROBIN LYNN SNIDER3 | 19556 RIVER RD NW EVANSVILLE, MN 56326 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $15 | $4 | $19 | 10.11% |
| LEADER AGENCY LLC3 | 810 HENRY AVE ALEXANDRIA, MN 56308 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $4 | $1 | $5 | 2.66% |
| SHEILA JANINE VORNBROCK3 | 24222 TROBEC ST ALBANY, MN 56307 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $2 | $1 | $3 | 1.60% |
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 | 124 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA | 96 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 124 | $154K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 124 | $154K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 124 | $154K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 124 | $154K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE CO | 1 | $188 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.