| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $43K | $0 | $43K | 8.51% |
| 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 | 14.95% |
| MJ INSURANCE3 Filed as: BRIKKER O. WARE AND VARIOUS AGENTS | 109 EAST BIRCH AVENUE FRAZEE, MN 56544 | AFLAC | $999 | $0 | $999 | 3.30% |
| HEATHER WARE NELSON3 Filed as: HEATHER K. WARE NELSON | 51482 WEST WYMER LAKE ROAD FRAZEE, MN 56544 | AFLAC | $779 | $0 | $779 | 2.57% |
| JOHN W. ZEPPER3 | 43680 MOSQUITO HEIGHTS ROAD PERHAM, MN 56573 | AFLAC | $495 | $0 | $495 | 1.63% |
| TERRY E ANDERSON3 Filed as: TERRY E. ANDERSON | 700 CEDAR STREET, SUITE 185 ALEXANDRIA, MN 56308 | AFLAC | $381 | $0 | $381 | 1.26% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG CIMBURA | 407 SOUTH PARK DRIVE PIERZ, MN 56364 | AFLAC | $284 | $0 | $284 | 0.94% |
| KRISTIE L NOSBISH3 Filed as: KRISTIE L. NOSBISH | 432 18TH STREET NW SAUK RAPIDS, MN 56379 | AFLAC | $212 | $0 | $212 | 0.70% |
| JEFFREY M HANSEN3 Filed as: JEFFREY M. HANSEN | 1895 52ND STREET SW PEQUOT LAKES, MN 56472 | AFLAC | $129 | $0 | $129 | 0.43% |
| SHELLY HAUGLAND3 Filed as: SHELLY ANN HAUGLAND | 10410 265TH AVENUE NW ZIMMERMAN, MN 55398 | AFLAC | $257 | $0 | $257 | 2.21% |
| JOHN P THOMPSON3 Filed as: JOHN PAUL THOMPSON AND OTHER AGENTS | 6395 SOUTH KEWAUNEE WAY SUITE 425 AURORA, CO 80016 | AFLAC | $145 | $0 | $145 | 1.25% |
| ANTHONY SWEETER3 Filed as: ANTHONY J. SWEETER | 13057 273RD AVENUE NW ZIMMERMAN, MN 55398 | AFLAC | $113 | $0 | $113 | 0.97% |
| KATHI JO SWEETER3 | 10650 COUNTY ROAD 81, SUITE 224 MAPLE GROVE, MN 55369 | AFLAC | $109 | $0 | $109 | 0.94% |
| WENDY RENARD3 Filed as: WENDY M. RENARD | 24133 FAWN COURT NE STACY, MN 55079 | AFLAC | $48 | — | $48 | 0.41% |
| LORI J THOMPSON3 Filed as: LORI J. THOMPSON | 1319 WEST MAIN STREET, UNIT 6 GUN BARRELL CITY, TX 75156 | AFLAC | $45 | $0 | $45 | 0.39% |
| JEFFREY M HANSEN3 Filed as: JEFFREY M. HANSEN | 1895 52ND STREET SW PEQUOT LAKES, MN 56472 | AFLAC | $23 | $0 | $23 | 0.20% |
| USI INSURANCE SERVICES LLC4 | 8000 NORMAN CENTER DRIVE SUITE 400 BLOOMINGTON, MN 55437 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $348 | $0 | $348 | 6.60% |
| R WORLD, INC.4 | PO BOX 330 MERRIFIELD, MN 56465 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $93 | $0 | $93 | 1.76% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS OF NORTH AMERICA | PO BOX 4557 NEW YORK, NY 10249 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $73 | $0 | $73 | 1.38% |
| JULIANA D BRENTESON4 Filed as: JULIANA D. BRENTESON | 2532 183RD STREET NW BIG LAKE, MN 55309 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $26 | $0 | $26 | 0.49% |
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 | 904 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 908 | 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. | 705 | $48K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 904 | $501K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 904 | $543K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 904 | $501K |
| Other(5 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 904 | $553K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 904 | — |
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.