| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR. KIMBERLY, WI 54136 | MONY LIFE INSURANCE COMPANY OF AMERICA | $75K | — | $75K | 100.00% |
| MARC A GROVE3 Filed as: MARC | GROVE ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 16.44% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $527 | $6K | 12.48% |
| MICHELLE J HALLER3 Filed as: MICHELLE HALLER | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 7.01% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON ROAD ROYALTON, MN 56373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $754 | $222 | $976 | 2.02% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC. | 6481 TANAGER LANE EDEN PRAIRIE, MN 55346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $765 | $210 | $975 | 2.02% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT RD. ST. CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $715 | — | $715 | 1.48% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH LANGEVIN | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $508 | $198 | $706 | 1.46% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN LUCAS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $498 | $29 | $527 | 1.09% |
| JILL R LAMBERT3 Filed as: JILL LAMBERT | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $253 | $155 | $408 | 0.84% |
| DESIREE WENDELL3 | 40771 FENIAN WAY NORTH BRANCH, MN 55056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $355 | $38 | $393 | 0.81% |
| CAROL BARNES3 | 2561 FALCON RIDGE DRIVE GRAYSON, GA 30017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | $26 | $210 | 0.43% |
| TYLER JENDRO3 | 1401 5TH AVE SE APT 102 LITTLE FALLS, MN 56345 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $1 | $136 | 0.28% |
| MELISSA WOKASCH3 | 12549 STILKE LAKE RD FRAZEE, MN 56544 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.26% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DR IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $16 | $98 | 0.20% |
| SCOTT JOHNSON3 | 4745 NARVIK DR. EAGAN, MN 55122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $5 | $96 | 0.20% |
| ROBERT SCOTT BRUNER3 Filed as: ROBERT BRUNER | 987 LACY BELLE PLAINE, MN 56011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $44 | $80 | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN | PO BOX 3086 MANKATO, MN 56002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.13% |
| PAUL KUKLOCK3 | 839 KAYLA LN NE HANOVER, MN 55341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.11% |
| BENEFITS ADVISORY GROUP3 Filed as: BENEFITS ADVISORY GROUP, INC. | 16220 TURNBERRY TUM NW RAMSEY, MN 55303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.11% |
| SABRINA S RAMOS3 Filed as: SABRINA RAMOS | 13750 W. COLONIAL DRIVE WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $19 | $50 | 0.10% |
| ASHLEY MARIA BARTHELEMY3 Filed as: ASHLEY BARTHELEMY | 4011 BRADDOCK AVE NE BUFFALO, MN 55313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $7 | $45 | 0.09% |
| TOBIAS JONATHAN BRUST3 Filed as: TOBIAS BRUST | 10925 WAYZATA BLVD APT 205 MINNETONKA, MN 55305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.09% |
| CARRIE S FLATEN3 Filed as: CARRIE FLATEN | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $6 | $33 | 0.07% |
| JAMIE MCREYNOLDS3 | 4550 MINNETONKA BLVD MINNEAPOLIC, MN 55416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.07% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS, INC. | 9085 BETHEL GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $3 | $29 | 0.06% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $6 | $13 | 0.03% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 245 SEVEN FARNS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $7 | $12 | 0.02% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG WAYNE SOTTLE | 408 CEDAR PINES DR. GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $3 | $10 | 0.02% |
| JENNIFER WILLIAMS3 | 17594 WIEDMAN WAY EDEN PRAIRIE, MN 55347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| YVONNE BRUNER3 | 304 5TH ST MONTAVIDEO, MN 56265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JACK HENNINGSGAARD3 | 2562 LOST LAKE RD MOUND, MN 55364 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| WILLIAM RENNARD3 | 3001 ALOMA AVE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.01% |
| DEBORAH FISCHER3 | 1700 DANZIG RD KIMBALL, MN 55353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| BRIAN SEDLACHEK FINANCIAL SERVICES3 Filed as: BRIAN SELACHEK FINANCIAL SERVICES | 7072 FAIRVIEW RD. BAXTER, MN 56425 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| JASON BAHR3 | 7072 FAIRVIEW ROAD BAXTER, MN 56425 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| SUSAN BOXRUD3 | 1804 MICHIGAN DRIVE NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| NORWOOD BENEFIT SERVICES INC Filed as: NORWOOD BENEFIT SERVICES INC. | 6478 LONG BREEZE RD ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JENNIFER GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GUCKERT, HUGO, CHRISTOPHER3 | 4500 BLACK ROCK ROAD SUITE 310 HAMPSTEAD, MD 21074 | UNUM LIFE INSURANCE OF AMERICA | $427 | — | $427 | 30.74% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 4400 PARK RD SUITE 307 CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE OF AMERICA | — | $23 | $23 | 1.66% |
| GUCKERT, HUGO, CHRISTOPHER3 | 4500 BLACK ROCK ROAD SUITE 310 HAMPSTEAD, MD 21074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $427 | — | $427 | 43.13% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 4400 PARK RD SUITE 307 CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $125 | $125 | 12.63% |
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 | 1,369 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 110 | $48K |
| Dental | UNUM LIFE INSURANCE OF AMERICA | 52 | $1K |
| Vision(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 1,369 | $76K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 1,369 | $75K |
| Short-term disability(3 contracts, 3 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 1,369 | $124K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 110 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,369 | — |
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.
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.