| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5113 SIOUX FALLS, SD 57117 | HEALTH CARE SERVICE CORPORATION | $65K | $9K | $74K | 5.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 5113 SIOUX FALLS, SD 57117 | ACE AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.52% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5113 SIOUX FALLS, SD 57103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $271 | — | $271 | 0.48% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON ROAD ROYALTON, MN 56373 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $279 | $2K | 3.60% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5113 SIOUX FALLS, SD 57117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $168 | $1K | 2.41% |
| ASHLEY MARIA HOUTMAN3 | 3108 WESTEDGE BLVD MOUND, MN 55364 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $661 | $139 | $800 | 1.65% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $426 | $210 | $636 | 1.31% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $339 | $111 | $450 | 0.93% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN MOFFETT LUCAS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $257 | $46 | $303 | 0.62% |
| HOUSTON NORMAN HAMILTON3 | 7310 LOVE CREEK MISSOURI CITY, TX 77459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $215 | $0 | $215 | 0.44% |
| JON OLSON3 | 360 CARLSON PARKWAY UNIT 302 MINNETONKA, MN 55305 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $133 | $22 | $155 | 0.32% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, ME 55434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | $31 | $121 | 0.25% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $69 | $114 | 0.23% |
| DARIN POTTS3 | 100 DETERING ST APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $110 | $0 | $110 | 0.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 3151 BRIAR PARK DR HOUSTON, TX 77042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $109 | $0 | $109 | 0.22% |
| MELISSA ARMATIS3 Filed as: MELISSA JEAN WOKASCH | 900 NORTH SHORE DR DETROIT LAKES, MN 56501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $73 | $0 | $73 | 0.15% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 1009 8TH AVE NE WASECA, MN 56093 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $67 | $5 | $72 | 0.15% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $21 | $54 | 0.11% |
| SANTIAGO OCHOA3 | 2120 EI PASEO UNIT 308 HOUSTON, TX 77054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 0.09% |
| STUART DUNKLE3 | 405 CR 3236 QUITMAN, TX 75783 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.07% |
| DESIREE WENDELL3 | 38269 EVERTON AVE NORTH BRANCH, MN 55056 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.07% |
| BE INSURANCE PARTNERS LLC3 | 3105 HAILEY LANE ROUND ROCK, TX 78664 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.04% |
| ERNESTO ELOY GARCIA3 | 4710 FALLON PI DALLAS, TX 75227 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.03% |
| JACK ALAN HENNINGSGAARD3 | 2562 LOST LAKE RD MOUND, MN 55364 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK FINANCIAL SERVICES INC | P.O. BOX 346 AVON, MN 56310 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK FINANCIAL SERVICES INC | P.O. BOX 346 AVON, MN 56310 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.03% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DR IRMA, SC 29063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.03% |
| CARRIE S FLATEN3 | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.02% |
| NORA KALEINANI ELLIS3 | 3105 HAILEY LANE ROUND ROCK, TX 78664 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.02% |
| PAMELA ANN BURCHETTE3 Filed as: PAMELA ANN BURCHELTE | 15118 B JANUS ROAD BILOXI, MS 39532 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
| JERRY A EDGAR3 | 604 SOUTH MARKET STREET SHICKLEY, NE 68436 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| JERRY A EDGAR3 | 604 SOUTH MARKET STREET SHICKLEY, NE 68436 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| TYLER HERRINGTON TORBETT3 Filed as: TYLER JAMES JENDRO | 2019 4TH AVE N APT 202 SOUK RAPIDS, MN 56379 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| MARIA LUGO-VALADEZ3 | 11427 STAN CLIFF RD HOUSTON, TX 77099 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.47% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $754 | $754 | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5113 SIOUX FALLS, SD 57103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $132 | $0 | $132 | 0.53% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $753 | $753 | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT-MCDOWELL INSURANCE | A MARSH MCLENNAN AGENCY LLC PO BOX 5113 SIOUX FALLS, SD 57117 | EYEMED | $1K | $0 | $1K | 9.24% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $345 | $345 | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $279 | $279 | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $472 | $0 | $472 | 14.99% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $94 | $94 | 2.99% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 330 | $1.4M |
| Dental(3 contracts, 2 carriers) | ACE AMERICAN INSURANCE COMPANY | 136 | $191K |
| Vision(2 contracts, 2 carriers) | EYEMED | 273 | $14K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $38K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 63 | $49K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 22 | $12K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 330 | $1.4M |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 251 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.