| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 93076 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $93 | $19K | 5.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $471 | $7K | 1.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD STREET, SUITE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.73% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.31% |
| ANTHONY SWEETER3 Filed as: ANTHONY J. SWEETER AND OTHER AGENTS | 13057 273RD AVENUE NW ZIMMERMAN, MN 55398 | AFLAC | $2K | $0 | $2K | 4.75% |
| HEATHER WARE NELSON3 Filed as: HEATHER K. WARE NELSON | 51482 WEST WYMER LAKE ROAD FRAZEE, MN 56544 | AFLAC | $1K | $0 | $1K | 2.33% |
| JOHN W. ZEPPER3 | 43680 MOSQUITO HEIGHTS ROAD PERHAM, MN 56573 | AFLAC | $778 | $0 | $778 | 1.73% |
| TERRY E ANDERSON3 Filed as: TERRY E. ANDERSON | 700 CEDAR STREET, SUITE 185 ALEXANDRIA, MN 56308 | AFLAC | $512 | $0 | $512 | 1.14% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG CIMBURA | 115 SCHOENES DRIVE SW PIERZ, MN 56364 | AFLAC | $440 | $0 | $440 | 0.98% |
| KRISTIE L NOSBISH3 Filed as: KRISTIE L. NOSBISH | 1012 7TH AVENUE SOUTH SARTELL, MN 56377 | AFLAC | $269 | $0 | $269 | 0.60% |
| SHELLY LUCKEN3 | 8233 WEST 133RD PLACE SAVAGE, MN 55378 | AFLAC | $242 | $0 | $242 | 0.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 93076 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 5.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 4.98% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC. | 55 EAST 5TH STREET, SUITE 500 SAINT PAUL, MN 55101 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 3.31% |
| ANTHONY SWEETER3 Filed as: ANTHONY J. SWEETER | 13057 273RD AVENUE NW ZIMMERMAN, MN 55398 | AFLAC | $375 | $31 | $406 | 2.82% |
| PHOTHALA CHANTHAVYSOUK AND AGENTS3 | 3 WILLOW LANE OTSEGO, MN 55330 | AFLAC | $262 | $20 | $282 | 1.96% |
| SHELLY HAUGLAND3 Filed as: SHELLY ANN HAUGLAND | 10410 265TH AVENUE NW ZIMMERMAN, MN 55398 | AFLAC | $281 | $0 | $281 | 1.95% |
| KATHI JO SWEETER3 | 10650 COUNTY ROAD 81, SUITE 224 MAPLE GROVE, MN 55369 | AFLAC | $120 | $0 | $120 | 0.83% |
| DEBORAH GRUTKOSKI3 Filed as: DEBORAH A. GRUTKOSKI | 2947 194TH LANE NW OAK GROVE, MN 55011 | AFLAC | $96 | $0 | $96 | 0.67% |
| WENDY RENARD3 Filed as: WENDY M. RENARD | 24133 FAWN COURT NE STACY, MN 55079 | AFLAC | $53 | $0 | $53 | 0.37% |
| LORI J THOMPSON3 Filed as: LORI J. THOMPSON | 16 PRESIDENT GEORGE BUSH HIGHWAY APARTMENT 6101 ROWLETT, TX 75088 | AFLAC | $48 | $0 | $48 | 0.33% |
| R WORLD, INC.4 Filed as: R. WORLD, INC. | PO BOX 330 MERRIFIELD, MN 56465 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $369 | $0 | $369 | 9.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS OF NORTH AMERICA | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $168 | $0 | $168 | 4.10% |
| USI INSURANCE SERVICES LLC3 | 800 NORMAN CENTER DRIVE, SUITE 400 BLOOMINGTON, MN 55437 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $32 | $0 | $32 | 0.78% |
| JULIE A DUERR BARTELL4 Filed as: JULIE D. BRENTESON | 2532 183RD STREET NW BIG LAKE, MN 55309 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $29 | $0 | $29 | 0.71% |
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 | 732 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 741 | 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. | 617 | $41K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,573 | $364K |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,573 | $424K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,573 | $364K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,573 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,573 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.