| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN KORBY3 | 2361 HIGHWAY 36 WEST ST PAUL, MN 55113 | HEALTH PARTNERS INC | $29K | — | $29K | 3.70% |
| LEE F MURPHY INCORPORATED3 | 2361 HWY 36 W ST PAUL, MN 55113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| JOHN KORBY3 | 2361 HIGHWAY 36 WEST ST PAUL, MN 55113 | HEALTH PARTNERS INSURANCE COMPANY | $647 | — | $647 | 3.70% |
| NATALIE MALHAM3 Filed as: NATALIE SUZANNE BASS | 1600 THOMAS AVE N MINNEAPOLIS, MN 55411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $421 | $2K | 12.47% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MINNESOTA LLC | 2351 HWY 36 W ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $766 | — | $766 | 5.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N MINNEAPOLIS, MN 55428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $713 | $8 | $721 | 5.53% |
| CECILIA MARTINEZ MACKAY3 | 9716 EASTRIDGE DR EL PASO, TX 79925 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $48 | $259 | 1.99% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | 24586 PELICAN LAKE ROAD GLENWOOD, MN 56334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | $92 | $240 | 1.84% |
| G ZUBIA ENTERPRISES INC3 | 6044 GATEWAY E EL PASO, TX 79905 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $32 | $58 | 0.44% |
| LAURA B WETT3 | 8496 100TH ST. E. NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $6 | $57 | 0.44% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $9 | $37 | 0.28% |
| SHELLIE LYN COX3 | 3004 KEYSTONE ST LONGVIEW, TX 75605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.12% |
| JOHN WEST PARSONS3 | 112 FALCON WAY LONGVIEW, TX 75605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.10% |
| SUSAN MAE DANIEL3 Filed as: SUSAN G BOXRUD | 1804 MICHIGAN DRIVE NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MINNESOTA LLC | 2361 HIGHWAY 36 W ST PAUL, MN 55113 | VISION SERVICE PLAN | $896 | — | $896 | 10.00% |
| LEE F MURPHY INCORPORATED3 Filed as: LEE F MURPHY | 2361 HWY 36 W ST PAUL, MN 55113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $870 | — | $870 | 22.88% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PARTNERS INC | 155 | $794K |
| Dental | HEALTH PARTNERS INSURANCE COMPANY | 179 | $17K |
| Vision | VISION SERVICE PLAN | 79 | $9K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $37K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 26 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $33K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.