| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | MEDICA INSURANCE COMPANY | $12K | $532 | $12K | 1.31% |
| SK CONSULTING, INC.3 Filed as: SK CONSULTING INC | 1502 99TH CIRCLE NW COON RAPIDS, MN 55433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $8 | $13K | 14.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 HWY 169 N SUITE 1100 MINNEAPOLIS, MN 55441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 3.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $338 | $3K | 3.42% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 7555 MARKET PL DR EDEN PRAIRIE, MN 55344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.52% |
| COORDINATED BENEFIT ADVISORS3 | 600 US 169 ST LOUIS, MN 55426 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $592 | $629 | $1K | 1.36% |
| ZACHARY M SWARTZENDRUBER3 | 600 US 169 ST LOUIS PARK, MN 55426 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $655 | $119 | $774 | 0.87% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $431 | $207 | $638 | 0.71% |
| NATALIE SUZANNE FONVILLE3 | 1600 THOMAS AVE N MINNEAPOLIS, MN 55411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $267 | $0 | $267 | 0.30% |
| FLORENCE RYDEN3 | 2950 BENT TREE HILLS DR NEW BRIGHTON, MN 55112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | $0 | $120 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $594 | $7K | 18.21% |
| DAVID J. KLEINSMITH4 Filed as: DAVID J KLEINSMITH | PO BOX 610 MAPLE HILL, KS 66507 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $237 | — | $237 | 5.42% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP CORPORATE SERVICES MN INC | SUITE 1100 505 HIGHWAY 169 N PLYMOUTH, MN 55441 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $124 | — | $124 | 2.84% |
| MARSH & MCLENNAN AGENCY LLC4 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $107 | — | $107 | 2.45% |
| JAMES LENCY CLAIRMONT4 Filed as: JAMES D SANDBERG | 2125 VERNON DR S MINNETONKA, MN 55305 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $37 | — | $37 | 0.85% |
| TRAM STRUVE4 | 1790 SPINAKER DR WOODBURY, MN 55125 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $28 | — | $28 | 0.64% |
| NHB BENEFITS4 | 319 HICKORY ST W STILLWATER, MN 55082 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $20 | — | $20 | 0.46% |
| KCA MARKETING INC DBA LEGAL BENEFIT4 Filed as: KCA MARKETING INC DBA LEGAL | BENEFIT CONSULTANTS PO BOX 1702 MAPLE GROVE, MN 55311 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $20 | — | $20 | 0.46% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 164 | $946K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 204 | $37K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 204 | $127K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 102 | $89K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 204 | $37K |
| Prescription drug | MEDICA INSURANCE COMPANY | 164 | $946K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 204 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
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.