| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $6K | $15K | 11.37% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $2K | $15K | 11.36% |
| ROBERT SCOTT BRUNER3 | 987 LACY CT BELLE PLAINE, MN 56011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $4K | $7K | 5.41% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $610 | $2K | 1.53% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $416 | $2K | 1.38% |
| TAMMY M DAHLBERG3 | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $19 | $1K | 0.92% |
| PHILIP GOODMAN3 | 13480 60TH PL N UNIT 99 PLYMOUTH, MN 55446 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $8 | $1K | 0.91% |
| TR INSURANCE ADVISORS INC3 | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $733 | $113 | $846 | 0.66% |
| JON OLSON3 | 5650 W 36TH ST APT 509 ST. LOUIS PARK, MN 55416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $711 | $30 | $741 | 0.58% |
| ZACKARY JAMES HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $711 | $28 | $739 | 0.57% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $388 | $237 | $625 | 0.49% |
| 3B VENTURE GROUP INC3 | 1200 MARSHALL ST STE 800 SHREVEPORT, LA 71101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $313 | $284 | $597 | 0.46% |
| THOMAS F HAYES3 | 2205 OREGON PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $424 | $61 | $485 | 0.38% |
| WENDY DAWN PACK3 Filed as: WENDY GERSHOW | 3217 STAR AVE OAKLAND, CA 94619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $285 | $15 | $300 | 0.23% |
| MICHAEL JAMES LEBRANE3 | 808 EAST 5TH AVE SAN MATEO, CA 94402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $285 | $14 | $299 | 0.23% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $107 | $249 | 0.19% |
| DEBORAH LYNN WELLS3 | 5809 MARK TWAIN AVENUE SACRAMENTO, CA 95820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | $23 | $183 | 0.14% |
| JASON RYAN LOWREY3 | 705 CREEKSIDE LANE LITITZ, PA 17543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 0.14% |
| KATHLEEN MORELAND3 | 6025 EQUESTRIAN TERRACE ROCKLIN, CA 95677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | $3 | $163 | 0.13% |
| BENECHOICE ENROLLMENT SOLUTIONS3 Filed as: BENECHOICE ENROLLMENT SOLUTIONS INC | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $71 | $125 | 0.10% |
| T NASH SKILES INC3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $51 | $105 | 0.08% |
| KEVIN FITZGERALD HOWARD3 | 561 BODEN WAY APT 3B OAKLAND, CA 94610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $22 | $72 | 0.06% |
| CATHERINE LISA LUKE3 | 4787 W HACIENDA AVE CAMPBELL, CA 95008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $14 | $64 | 0.05% |
| DARRYL W VIDOR3 | 104 PIONEER DR. FOLSOM, CA 95630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $19 | $35 | 0.03% |
| ANDREW CHARLES FELLS3 | 331 W HUMPHREY STREET LAKE CRYSTAL, MN 56055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $1 | $32 | 0.02% |
| BLUE SKY BENEFIT SOLUTIONS INC3 | 1500 39TH ST SOUTH SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $17 | $27 | 0.02% |
| ASHLEA HUMPHRIES-SHARP3 | 2514 DOWNS ST BOSSIER CITY, LA 71111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.02% |
| MARDEIO CANNON3 | 5027 DYNASTY WAY SACRAMENTO, CA 95835 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $1 | $17 | 0.01% |
| JACK ALAN HENNINGSGAARD3 | 2562 LOST LAKE RD MOUND, MN 55364 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $1 | $11 | 0.01% |
| BRIAN TATES3 | 146 MOOR ROAD SHREVEPORT, LA 71106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $7 | $9 | 0.01% |
| GILES CONSULTING GROUP INC3 | 3554 FOUNTAINBLEAU RD KEITHVILLE, LA 71047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| CARRIE S FLATEN3 | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| COMPASS BENEFITS & INSURANCE SERVIC3 | 5027 DYNASTY WAY SACRAMENTO, CA 95835 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 226 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
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.