| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $4K | $21K | 10.03% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $3K | $243 | $3K | 7.91% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $1K | $380 | $1K | 4.02% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $493 | $176 | $669 | 1.88% |
| ZACKARY JAMES HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $416 | $16 | $432 | 1.21% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $305 | $62 | $367 | 1.03% |
| ELIZABETH MARIE LANGEVIN3 | 698 LARPENTEUR AVE SAINT PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $245 | $84 | $329 | 0.92% |
| JEFFREY D HARNED3 Filed as: JEFFREY LYLES | 3872 BALLANTRAE RD EAGAN, MN 55122 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $256 | — | $256 | 0.72% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 6481 TANAGER LANE EDEN PRAIRIE, MN 55346 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $214 | $25 | $239 | 0.67% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 201 CAUGHMAN FARM LANE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $193 | $9 | $202 | 0.57% |
| JILL R LAMBERT3 Filed as: JILL LAMBERT | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $110 | $42 | $152 | 0.43% |
| JON OLSON3 | 5650 W 56TH ST APT 509 SAINT LOUIS PARK, MN 55416 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $134 | — | $134 | 0.38% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $34 | $52 | $86 | 0.24% |
| DESIREE WENDELL3 | 40771 FENIAN WAY NORTH BRANCH, MN 55056 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $47 | — | $47 | 0.13% |
| DANA MARIE MOWATT3 | 237010 S WESTERN AVE #112 TORRANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $30 | — | $30 | 0.08% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $22 | — | $22 | 0.06% |
| ANDREW JAMIN GRIMSLEY3 | 111 RAMBLING CREEK DRIVE SE ST MICHAEL, MN 55376 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $22 | — | $22 | 0.06% |
| KELLY CAROLE LARSON3 | 11026 ZUMBROTA CT NE BLAINE, MN 55449 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $21 | — | $21 | 0.06% |
| JENNIFER B WILLIAMS3 | 17594 WIEDMAN WAY EDEN PRAIRIE, MN 55347 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $19 | — | $19 | 0.05% |
| SABRINA S RAMOS3 | 13750 W. COLONIAL DR WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $8 | $1 | $9 | 0.03% |
| TR INSURANCE ADVISORS INC3 | 1009 EIGTH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $3 | — | $3 | 0.01% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DRIVE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $2 | — | $2 | 0.01% |
| CARRIE S FLATEN3 | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMAPNY | $2 | — | $2 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | — | $1K | 9.98% |
| STEVE BAKER4 | 153 ESTHER DRIVE COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 19.62% |
| DALY KAHNERT & ASSOCIATES INC.4 | 15050 CEDAR AVE SUITE 116 APPLE VALLEY, MN 55124 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $601 | $0 | $601 | 9.06% |
| LAWTON BENEFITS GROUP LLC4 Filed as: LAWTON BENEFITS GROUP | 14600 34TH AVE N APT 208 MINNEAPOLIS, MN 55447 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $142 | $0 | $142 | 2.14% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | THE PAUL REVERE LIFE INSURANCE COMPANY | $35 | $0 | $35 | 3.95% |
| MARIA VERONICA JARQUE3 | 701 WRELTON DRIVE UNIT E SAN DIEGO, CA 92037 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 1.58% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.90% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN MOFFATT LUCUS | 2650 ACORN RUN VICTORIA, MN 55386 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.68% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 3357 POLK STREET NE MINNEAPOLIS, MN 55418 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.45% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST PAUL, MN 55113 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.34% |
| JILL R LAMBERT3 Filed as: JILL LAMBERT | 12741 JEFFERSON ST NE BLAINE, MN 55434 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.11% |
| CARRIER FLATEN3 | 2606 86TH CT W NORTHFIELD, MN 55057 | THE PAUL REVERE LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 334 | 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) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 235 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 459 | $208K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 459 | $208K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 459 | $208K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 459 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.