| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | MEDICA INSURANCE COMPANY | $17K | $4K | $20K | 1.54% |
| SK CONSULTING, INC.3 Filed as: SK CONSULTING INC | 1502 99TH CIRCLE NW COON RAPIDS, MN 55433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $77 | $6K | 7.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N MINNEAPOLIS, MN 55428 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $101 | $4K | 4.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 HWY 169 N STE 1100 MINNEAPOLIS, MN 55441 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.08% |
| ZACHARY M SWARTZENDRUBER3 | 14128 BARIUM ST NW ANOKA, MN 55303 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $633 | $453 | $1K | 1.34% |
| USI INSURANCE SERVICES LLC3 | 7555 MARKET PL DR EDEN PRAIRIE, MN 55344 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.26% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $307 | $122 | $429 | 0.53% |
| NATALIE SUZANNE FONVILLE3 | 1600 THOMAS AVE N MINNEAPOLIS, MN 55411 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $204 | $0 | $204 | 0.25% |
| FLORENCE RYDEN3 | 2950 BENT TREE HILLS DR NEW BRIGHTON, MN 55112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $769 | $9K | 16.68% |
| DAVID J. KLEINSMITH4 Filed as: DAVID J KLEINSMITH | PO BOX 610 MAPLE HILL, KS 66507 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $135 | $0 | $135 | 3.52% |
| MARSH & MCLENNAN AGENCY LLC4 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $97 | $0 | $97 | 2.53% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP CORPORATE SERVICES (MN) INC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 55441 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $62 | $0 | $62 | 1.62% |
| JAMES LENCY CLAIRMONT4 Filed as: JAMES D SANDBERG | 2125 VERNON DR S MINNETONKA, MN 55305 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $40 | $0 | $40 | 1.04% |
| TRAM STRUVE4 | 1790 SPINAKER DR WOODBURY, MN 55125 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $37 | $0 | $37 | 0.97% |
| NHB BENEFITS4 | 319 HICKORY ST W STILLWATER, MN 55082 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $22 | $0 | $22 | 0.57% |
| KCA MARKETING INC DBA LEGAL BENEFIT4 Filed as: KCA MARKETING INC LEGAL BNFT CNSLTS | PO BOX 1702 MAPLE GROVE, MN 55311 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | $0 | $21 | 0.55% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 164 | $1.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $55K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 230 | $136K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 84 | $81K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $55K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 230 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
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.