| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $16K | 4.21% |
| AXA ASSISTANCE, USA3 Filed as: CHRISTENSEN GROUP INC - AXA | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | MONY LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 7.63% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | MONY LIFE INSURANCE COMPANY OF AMERICA | — | $24K | $24K | 7.37% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43K | $6K | $49K | 17.93% |
| MICHELLE J HALLER3 | 913 HUNTINGTON JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $20K | $41K | 15.10% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $13K | $30K | 11.01% |
| TYLOR DOUGLAS NOLL3 | 13246 POSTIER DRIVE NW ORONOCO, MN 55960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $233 | $5K | 1.79% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 1.70% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR ST. PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 1.25% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $888 | $3K | 0.96% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 3357 POLK STREET NE MINNEAPOLIC, MN 55418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $377 | $2K | 0.85% |
| ANDREW CHARLES FELLS3 | 331 W HUMPHREY STREET LAKE CRYSTAL, MN 56055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $21 | $1K | 0.50% |
| PATRICIA HAJOSTEK3 | 1508 ALEXANDER AVENUE CROOKSTON, MN 56716 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $101 | $1K | 0.41% |
| MELONY LEE MICHAELS3 | 4200 WEDGEWOOD LANE N PLYMOUTH, MN 55442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $53 | $1K | 0.40% |
| ELIZABETH C OVERBO3 | 9725 PLEASANT AVE S BLOOMINGTON, MN 55420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.38% |
| CARRIE S FLATEN3 | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $750 | $202 | $952 | 0.35% |
| ROSE MARY GOODMAN3 | 5200 HOLLY LANE N #4 PLYMOUTH, MN 55446 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $906 | $29 | $935 | 0.34% |
| JEFFREY MICHAEL OURADNIK3 | 4203 PARKWAY DR NISSWA, MN 56468 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $759 | $27 | $786 | 0.29% |
| ANDREW JAMIN GRIMSLEY3 | 1639 GOETTENS WAY SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $539 | $117 | $656 | 0.24% |
| BLUE SKY BENEFIT SOLUTIONS INC3 | 1500 39TH ST SOUTH SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | $405 | $636 | 0.23% |
| SABRINA S RAMOS3 | 13750 W COLONIAL DR WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $492 | $111 | $603 | 0.22% |
| ZACKARY JAMES HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $485 | $36 | $521 | 0.19% |
| AUSTING BOHLER3 | 15861 60 TH AVE NORTH PLYMOUTH, MN 55446 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $460 | — | $460 | 0.17% |
| CURTIS LARSON3 | 11626 YUKON ST NW COON RAPIDS, MN 55433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $420 | $33 | $453 | 0.17% |
| DEBRA FERRAO3 | 4437 COLFAX S MINNEAPOLIS, MN 55419 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $278 | $171 | $449 | 0.16% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD ST CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $393 | — | $393 | 0.14% |
| PEGGY SUE LAZER3 | 30585 OLSON ST PEQUOT LAKES, MN 56472 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $375 | — | $375 | 0.14% |
| YVONNE BRUNER3 | 304 S 5TH ST MONTEVIDEO, MN 56265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $307 | $14 | $321 | 0.12% |
| JULIE MARIE AGRIMSON3 | 14158 WOODCHUCK TRAIL NW PRIOR LAKE, MN 55372 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | — | $302 | 0.11% |
| JON OLSON3 | 5650 W 36TH APT 509 ST. LOUIS PARK, MN 55416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $251 | $37 | $288 | 0.11% |
| GRANT CREIGHTON ROCKWOOD3 | 2832 HARRIET AVENUE MINNEAPOLIS, MN 55408 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | — | $273 | 0.10% |
| PAUL KUKLOCK3 | 839 KAYLA LN NE HANOVER, MN 55341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | — | $262 | 0.10% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | $40 | $226 | 0.08% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON ROAD ROYALTON, MN 56373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | — | $226 | 0.08% |
| MARIAN CARPENTER-GUYOT & ASSOCIATES3 | 12100 SINGLETREE LN EDEN PRAIRIE, MN 55344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | — | $200 | 0.07% |
| BRIAN MATTHEW HEINZEN3 | 16921 SOUTH SHORE LANE EDEN PRAIRIE, MN 55346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $15 | $141 | 0.05% |
| ATB INSURANCE INC3 | 15861 60TH AVE NORTH PLYMOUTH, MN 55446 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $45 | $139 | 0.05% |
| ROBERT SCOTT BRUNER3 | 987 LACY CT BELLE PLAINE, MN 56011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $79 | $136 | 0.05% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $98 | $130 | 0.05% |
| SMARTER HSA LLC3 | 3963 COTTAGE LN MINNETONKA, MN 55305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | — | $126 | 0.05% |
| JENNIFER GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 0.04% |
| TRACY LEE BAILEY3 | 29717 131ST STREET PRINCETON, MN 55371 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $68 | $118 | 0.04% |
| MELISSA ARMATIS3 Filed as: MELISSA JEAN WOKASCH | 12549 STILKE LAKE RD FRAZEE, MN 56544 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.02% |
| JEFFREY D HARNED3 Filed as: JEFFREY LYLES | 3872 BALLANTRAE RD EAGAN, MN 55122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.02% |
| WILLIAM RENNARD3 | 3001 ALOMA AVE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $6 | $57 | 0.02% |
| NORWOOD BENEFIT SERVICES INC3 Filed as: NORWOOD BENEFIT SERVICES | 6478 LONG BREEZE RD ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $3 | $54 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN | PO BOX 3086 MANKATO, MN 56002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.02% |
| CAROL BARNES3 | 2561 FALCON RIDGE DRIVE GRAYSON, GA 30017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $4 | $34 | 0.01% |
| TOBIAS JONATHAN BRUST3 | 10925 WAYZATA BLVD APT 205 MINNETONKA, MN 55305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.01% |
| BROCKSTAR LLC3 | 2561 FALCON RIDGE DRIVE GRAYSON, GA 30017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $1 | $28 | 0.01% |
| LINDA PARKER3 | 2067 26TH NW ROCHESTER, MN 55901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.01% |
| DESIREE WENDELL3 | 40771 FENIAN WAY NORTH BRANCH, MN 55056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DR #400 BLOOMINGTON, MN 55437 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.01% |
| SUSAN MAE DANIEL3 Filed as: SUSAN G BOXRUD | 1804 MICHIGAN DRIVE NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| BENEFITS ADVISORY GROUP Filed as: BENEFITS ADVISORY GROUP INC | 16220 TURNBERRY TURN NW RAMSEY, MN 55303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| SHIRLEY B DRAKE3 Filed as: SHIRLEY JOHNSON | 15719 FISH POINT ROAD SE PRIOR LAKE, MN 55372 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| SCOTT DANIEL JOHNSON3 | 4745 NARVIK DR EAGAN, MN 55122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| FLORENCE RYDEN3 | 2950 BENT TREE HILLS DR NEW BRIGHTON, MN 55112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| JAMIE MCREYNOLDS3 | 4550 MINNETONKA BLVD MINNEPOLIS, MN 55416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| TR INSURANCE ADVISORS INC3 | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| JODI TWETE3 | 1502 21ST AVE S FARGO, ND 58103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| DANIIEL S SNIDER3 | 303 22ND AVE W ALEXANDRIA, MN 56308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| NATALIE SUZANNE FONVILLE3 | 1600 THOMAS AVE N MINNEAPOLIC, MN 55411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DRIVE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| JACK ALAN HENNINGSGAARD3 | 2562 LOST LAKE RD MOUND, MN 55364 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| JORDAN SCOTT LEHTOLA3 | 1609 BENSON RD MONTEVIDEO, MN 56265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ASHLEY MARIA BARTHELEMY3 | 4011 BRADDOCK AVE NE BUFFALO, MN 55313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BRIAN SEDLACHEK FINANCIAL SERVICES3 | 7072 FAIRVIEW RD BAXTER, MN 56425 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| IRIS ANITA WEILER3 | 14690 GLENDALE AVE SE PRIOR LAKE, MN 55372 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JASON BAHR3 | 7072 FAIRVIEW ROAD BAXTER, MN 56425 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | 24586 PELICAN LAKE ROAD GLENWOOD, MN 56334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KARRIE CROPPER3 | 303 22ND AVENUE W ALEXANDRIA, MN 56308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JAMES BUCKLEY3 | 937 WALL STREET NORTH MANKATO, MN 56003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JENNIFER B WILLIAMS3 | 17594 WIEDMAN WAY EDEN PRAIRIE, MN 55347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | — | $24K | 14.88% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 8.37% |
| CHRISTENSEN GROUP INC | 9855 W 78TH STE 100 EDEN PRAIRIE, MN 55344 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.76% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.24% |
| GUCKERT, HUGO, CHRISTOPHER3 | 4500 BLACK ROCK ROAD STE 310 HAMPSTEAD, MD 21074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 2.43% |
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 | 1,465 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,487 | $695K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,487 | $463K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,487 | $529K |
| Short-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,487 | $969K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,487 | $644K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,487 | $529K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,487 | — |
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.