| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONYX BENEFIT ADVISORS3 Filed as: ONYX BENEFIT ADVISORS LLC | 23365 LAWRENCE WAY HASTINGS, MN 55033 | DELTA DENTAL OF MINNESOTA | $8K | — | $8K | 9.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 19.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR SUITE 399 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF MINNESOTA | $6K | — | $6K | 10.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 14.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 14.27% |
| DANIEL S SNIDER3 | 303 22ND AVENUE W ALEXANDRIA, MN 56308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $505 | $81 | $586 | 1.87% |
| JODI TWETE3 | 1502 21ST AVE SO FARGO, ND 58103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $252 | $21 | $273 | 0.87% |
| BLUE SKY BENEFIT SOLUTIONS INC3 | 1500 39TH ST S SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.17% |
| BRENDA LEE CANNING3 | 3200 15TH ST N SAINT CLOUD, MN 56303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $3 | $38 | 0.12% |
| IMAC INSURANCE AGENCY LLC3 | 540 MILL STREET BELLEVILLE, NJ 07109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | — | $195 | 3.78% |
| BENJAMIN L GALLO3 Filed as: BENJAMIN L. GALLO | 17 BRANT AVE CLARK, NJ 07066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 3.51% |
| BENEFIT ANALYSIS INC3 | PO BOX 527 NUTLEY, NJ 07110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.48% |
| PETER C FOURNIER3 Filed as: PETER C. FOURNIER | 700-76 BROADWAY #186 WESTWOOD, NJ 07675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.19% |
| DANIEL S SNIDER3 Filed as: DANIEL S. SNIDER | 303 22ND AVENUE W ALEXANDRIA, MN 56308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 1.01% |
| BLUE SKY BENEFIT SOLUTIONS INC3 | 1500 39TH ST SOUTH SAINT CLOUD, MN 56301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.43% |
| DANIEL S SNIDER3 | 303 22ND AVENUE W ALEXANDRIA, MN 56308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 1.31% |
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 | 559 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 564 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF MINNESOTA | 85 | $147K |
| Life insurance(5 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 384 | $112K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 374 | $58K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 375 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.