| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC A GROVE0 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $9K | $22K | 9.02% |
| ASSOCIATED FINANCIAL GROUP LLC0 | 711 EISENHOWER DR KIMBERLY, WI 54136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $875 | $20K | 7.94% |
| WORLD INSURANCE ASSOCIATES LLC0 Filed as: KLH INSURANCE INC. | 6481 TANAGER LANE EDEN PRAIRIE, MN 55346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $782 | $4K | 1.58% |
| MEGHAN MOFFATT LUCAS0 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 1.40% |
| ELIZABETH MARIE LANGEVIN0 | 698 W LARPENTEUR AVE ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $727 | $3K | 1.31% |
| MYLES RONALD ZAYIC0 | 6330 COUNTY 6 RD SW STEWARTVILLE, MN 55976 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.27% |
| CAROL BARNES0 | 2561 FALCON RIDGE DRIVE N GRAYSON, GA 30017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $261 | $2K | 0.87% |
| JILL R LAMBERT0 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $457 | $2K | 0.74% |
| DESIREE WENDELL0 | 40771 FENIAN WAY NORTH BRANCH, MN 55056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $150 | $2K | 0.64% |
| CAROLYN GROVER0 | 206 FOX CHAPEL DR IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $230 | $1K | 0.60% |
| RYAN BENEFITS INC0 Filed as: RYAN CHRISTOPHER TRUCHON | 11954 YELLOWPINE ST NW COON RAPIDS, MN 55448 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $50 | $1K | 0.54% |
| BILLY MARK ROBERSON0 | 17415 SHADY CANYON SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $561 | $213 | $774 | 0.31% |
| ERNESTO ELOY GARCIA0 | 2600 YORKSHIRE ST IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $532 | $149 | $681 | 0.28% |
| TAMMY M DAHLBERG0 | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $545 | $9 | $554 | 0.22% |
| MARY-JOYCE LICATA0 Filed as: MARY J YARNELL | 170 E HAMILTON LN BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $356 | $79 | $435 | 0.18% |
| KLD INSURANCE BENEFITS INC0 | 9085 BETHEL RD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | $223 | $395 | 0.16% |
| BENJAMIN ACEVEDO0 | 16211 E GROVERCENTER ST COVINA, CA 91722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $345 | $24 | $369 | 0.15% |
| MATTHEW R LORENZ0 Filed as: MATTHEW LORENZ | 1021 PROSPECT POINTE RD JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $362 | $1 | $363 | 0.15% |
| TR INSURANCE ADVISORS INC0 Filed as: TR INSURANCE ADVISORS | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $290 | $47 | $337 | 0.14% |
| BENEFIT COMMUNICATIONS INC0 | 2977 SIDCO DR NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $334 | — | $334 | 0.14% |
| SCOTT DANIEL JOHNSON0 | 4745 NARVIK DR EAGAN, MN 55122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $257 | $14 | $271 | 0.11% |
| LAURA B WETT0 | 8194 HYDE AVE S COTTAGE GROVE, MN 55016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | — | $269 | 0.11% |
| HORIZON BENEFITS LLC0 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $159 | $243 | 0.10% |
| NELS COREY JOHNSON0 | 25262 SLOTH ST NW ZIMMERMAN, MN 55398 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | — | $240 | 0.10% |
| JOSE JOHN LOPEZ0 | 5908 303RD ST WAY CANNON FALLS, MN 55009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $236 | $4 | $240 | 0.10% |
| ROBERT SCOTT BRUNER0 | 987 LACY CT BELLE PLAINE, MN 56011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $119 | $216 | 0.09% |
| KAREN DUENOW0 | 15400 28TH AVE N STE 100 PLYMOUTH, MN 55447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | — | $207 | 0.08% |
| JOHN CHARLES CHERRY0 | 120 7TH ST W HASTINGS, MN 55033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | — | $171 | 0.07% |
| SHEALY BENEFITS SERVICES INC0 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $72 | $163 | 0.07% |
| MARY CATHERINE WILLIAMS0 | 16319 E TENNESSEE AVE AURORA, CO 80017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | $21 | $161 | 0.07% |
| JENNIFER GROVE0 | 25900 AUTUMN WAY ROGERS, MN 55353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | $1 | $150 | 0.06% |
| ADVANCED BENEFIT SYSTEM INC0 Filed as: ADVANCED BENEFIT SYSTEMS INC | 245 SEVEN FARMS DR DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $87 | $147 | 0.06% |
| MARK J ROBISON0 | 1255 KIENAS RD KILSPELL, MT 59901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $8 | $125 | 0.05% |
| ARIADNE DE BASABE-MACHICHE0 | 1102 NIMROD CIRCLE CORONA, CA 92880 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $4 | $125 | 0.05% |
| CRAIG WAYNE SOTTILE0 | 408 CEDAR PINES DR GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $33 | $124 | 0.05% |
| TERRI KAYE0 | 4320 43RD AVE S MINNEAPOLIS, MN 55406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 0.05% |
| SA GENERAL AGENCY INC0 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $84 | $112 | 0.05% |
| NORMAN NYSTROM0 | 4304 BOONE AVE N NEW HOPE, MN 55428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.04% |
| JOHN D EVANGELISTA0 Filed as: JOHN D EVANGELISA | 26111 ANTONIO PKWY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $32 | $83 | 0.03% |
| ANDREW JAMIN GRIMSLEY0 | 111 RAMBLING CREEK DR SE SAINT MICHAEL, MN 55376 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.03% |
| JEFFREY D HARNED0 Filed as: JEFFREY LYLES | 3872 BALLANTRAE RD EAGAN, MN 55122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.03% |
| PAUL KUKLOCK0 | 839 KAYLA LN NE HANOVER, MN 55341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.03% |
| BENECHOICE ENROLLMENT SOLUTIONS0 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $31 | $54 | 0.02% |
| KAREN TYLER-DUNN0 Filed as: KAREN TYLER DUNN | 714 SYEMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $2 | $53 | 0.02% |
| MICHAEL EDWARD LEES0 | 40 GARFIELD DENVER, CO 80206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $30 | $51 | 0.02% |
| MICHELLE J HALLER0 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $21 | $49 | 0.02% |
| T NASH SKILES INC0 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $22 | $45 | 0.02% |
| CARRIE S FLATEN0 | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $8 | $43 | 0.02% |
| PAMELA JEAN DESHAW-BRACKETT0 Filed as: PAMELA JEAN DESHAW BRACKETT | 6518 WEST HUNTER LAKE RD DULUTH, MN 55803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.02% |
| TYLER HERRINGTON TORBETT0 Filed as: TYLER JAMES JENDRO | 1401 5TH AVE SE, APT 102 LITTLE FALLS, MN 56345 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.01% |
| DANA MARIE MOWATT0 | 23701 S WESTERN AVE #112 TORRANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $2 | $29 | 0.01% |
| KELLY CAROLE LARSON0 | 11026 ZUMBROTA CT NE BLAINE, MN 55449 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $1 | $25 | 0.01% |
| PREMIER WORKSITE SOLUTIONS INC0 | 112 NW 114TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $6 | $18 | 0.01% |
| BLUE CHIP FINANCIAL INC0 | 49 2ND AVE N STE 101 WAITE PARK, MN 56387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| JACQUELINE BARTHELEMY0 | 7573 HILTON RD ROYALTON, MN 56373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| STERLING WEALTH MANAGEMENT LLC0 | W175 N11163 STONEWOOD DR GERMANTOWN, WI 53022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| DEBORAH FISCHER0 Filed as: DEBORAH D FISCHER | 1700 DANZIG RD KIMBALL, MN 55353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| ASHLEY MARIA BARTHELEMY0 | 4011 BRADDOCK AVE NE BUFFALO, MN 55313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| GROUP SUPPLEMENTAL BENEFITS INC0 | 31805 TEMECULA PKWY TEMECULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC0 | 7225 NORTHLAND DR N MINNEAPOLIS, MN 55428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| CLARICE R MIMS0 | 172 90 HIGHLAND AVE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MELISSA ARMATIS0 Filed as: MELISSA JEAN WOKASCH | 12549 STILKE LAKE RD FRAZEE, MN 56544 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 291 | $247K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 291 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.