| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $5K | $34K | 8.42% |
| 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 | -0.66% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $7K | $0 | $7K | 16.14% |
| MJ INSURANCE3 Filed as: JEFFREY HANSEN AND VARIOUS AGENTS | 1895 52ND STREET SW PEQUOT, MN 56472 | AFLAC | $2K | $0 | $2K | 4.72% |
| HEATHER WARE NELSON3 Filed as: HEATHER K. WARE NELSON | 51482 WEST WYMER LAKE ROAD FRAZEE, MN 56544 | AFLAC | $919 | $0 | $919 | 2.31% |
| JOHN W. ZEPPER3 | 43680 MOSQUITO HEIGHTS ROAD PERHAM, MN 56573 | AFLAC | $691 | $0 | $691 | 1.74% |
| TERRY E ANDERSON3 Filed as: TERRY E. ANDERSON | 700 CEDAR STREET, SUITE 185 ALEXANDRIA, MN 56308 | AFLAC | $451 | $0 | $451 | 1.13% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG CIMBURA | 115 SCHOENES DRIVE SW PIERZ, MN 56364 | AFLAC | $406 | $0 | $406 | 1.02% |
| KRISTIE L NOSBISH3 Filed as: KRISTIE L. NOSBISH | 1012 7TH AVENUE SOUTH SARTELL, MN 56377 | AFLAC | $250 | $0 | $250 | 0.63% |
| SHELLY LUCKEN3 | 8233 WEST 133RD PLACE SAVAGE, MN 55378 | AFLAC | $167 | $0 | $167 | 0.42% |
| SHELLY HAUGLAND3 Filed as: SHELLY ANN HAUGLAND | 10410 265TH AVENUE NW ZIMMERMAN, MN 55398 | AFLAC | $235 | $0 | $235 | 2.31% |
| MJ INSURANCE3 Filed as: JOHN THOMPSON SR AND VARIOUS AGENTS | 6395 SOUTH KEWAUNEE WAY SUITE 425 AURORA, CO 80016 | AFLAC | $136 | $0 | $136 | 1.34% |
| ANTHONY SWEETER3 Filed as: ANTHONY J. SWEETER | 13057 273RD AVENUE NW ZIMMERMAN, MN 55398 | AFLAC | $121 | $0 | $121 | 1.19% |
| KATHI JO SWEETER3 | 10650 COUNTRY ROAD 81, SUITE 224 MAPLE GROVE, MN 55369 | AFLAC | $100 | $0 | $100 | 0.98% |
| WENDY RENARD3 Filed as: WENDY M. RENARD | 24133 FAWN COURT NE STACY, MN 55079 | AFLAC | $44 | $0 | $44 | 0.43% |
| LORI J THOMPSON3 Filed as: LORI J. THOMPSON | 1600 PRESIDENT GEORGE BUSH HIGHWAY APARTMENT 6101 ROWLETT, TX 75088 | AFLAC | $41 | $0 | $41 | 0.40% |
| JEFFREY M HANSEN3 Filed as: JEFFREY M. HANSEN | 1895 52ND STREET SW PEQUOT, MN 56472 | AFLAC | $21 | $0 | $21 | 0.21% |
| R WORLD, INC.3 | PO BOX 330 MERRIFIELD, MN 56465 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $159 | $0 | $159 | 4.61% |
| WILLIS TOWERS WATSON US LLC3 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 | $149 | $0 | $149 | 4.32% |
| USI INSURANCE SERVICES LLC3 | 800 NORMAN CENTER DRIVE BLOOMINGTON, MN 55437 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $59 | $0 | $59 | 1.71% |
| JULIANA D BRENTESON3 Filed as: JULIANA D. BRENTESON | 2532 183RD STREET NW BIG LAKE, MN 55309 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $26 | $0 | $26 | 0.75% |
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 | 701 | 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) | 701 | 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. | 680 | $46K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,647 | $404K |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,647 | $454K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,647 | $404K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,647 | $465K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,647 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.