| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE, SUITE 400 BLOOMINGTON, MN 55437 | PREFERREDONE INSURANCE COMPANY | $16K | $0 | $16K | 2.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | PREFERREDONE INSURANCE COMPANY | $11K | $0 | $11K | 1.42% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN MINNEAPOLIS, MN 55406 | COLONIAL LIFE AND ACCIDENT | $405 | $0 | $405 | 2.47% |
| EMPLOYEE BENEFIT ADVANTAGES INC3 Filed as: EMPLOYEE BENEFIT ADVANTAGES, INC. | UNKNOWN MINNEAPOLIS, MN 55406 | COLONIAL LIFE AND ACCIDENT | $289 | $0 | $289 | 1.76% |
| CARRIE S FLATEN3 Filed as: CARRIE S. FLATEN | UNKNOWN MINNEAPOLIS, MN 55406 | COLONIAL LIFE AND ACCIDENT | $184 | $0 | $184 | 1.12% |
| MARC A GROVE3 Filed as: MARC A. GROVE | UNKNOWN MINNEAPOLIS, MN 55406 | COLONIAL LIFE AND ACCIDENT | $138 | $0 | $138 | 0.84% |
| MEGHAN MOFFATT LUCAS3 | UNKNOWN MINNEAPOLIS, MN 55406 | COLONIAL LIFE AND ACCIDENT | $73 | $0 | $73 | 0.44% |
| ROBERT SCOTT BRUNER3 Filed as: ROBERT S. BRUNER AND OTHER AGENTS | UNKNOWN MINNEAPOLIS, MN 55406 | COLONIAL LIFE AND ACCIDENT | $47 | $0 | $47 | 0.29% |
| DESIREE WENDELL3 | UNKNOWN MINNEAPOLIS, MN 55406 | COLONIAL LIFE AND ACCIDENT | $25 | $0 | $25 | 0.15% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE, SUITE 400 BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $327 | $3K | 17.00% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $172 | $0 | $172 | 1.05% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $419 | $0 | $419 | 7.96% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | UNKNOWN KIMBERLY, WI 54136 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $115 | $0 | $115 | 2.18% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PREFERREDONE INSURANCE COMPANY | 138 | $775K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 78 | $5K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT | 111 | $33K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT | 38 | $16K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $16K |
| Prescription drug | PREFERREDONE INSURANCE COMPANY | 138 | $775K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT | 111 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.