| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 20/20 ADVISOR GROUP3 | 3500 VICKSBURG LANE #178 MINNEAPOLIS, MN 55447 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| 20-20 ADVISORY GROUP LLC3 | 3500 VICKSBURG LANE NORTH #178 PLYMOUTH, MN 55447 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 6.85% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $564 | $194 | $758 | 3.84% |
| TROVIA INC3 | 150 SOUTH 5TH STREET SUITE 1750 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $339 | $339 | 1.72% |
| 20/20 ADVISOR GROUP3 | 3500 VICKSBURG LANE #178 MINNEAPOLIS, MN 55447 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $969 | — | $969 | 5.00% |
| 20/20 ADVISOR GROUP3 | 3500 VICKSBURG LANE #178 MINNEAPOLIS, MN 55447 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | STARMOUNT LIFE INSURANCE COMPANY | $868 | — | $868 | 5.00% |
| 20-20 ADVISORY GROUP LLC3 | 3500 VICKSBURG LANE NORTH #178 PLYMOUTH, MN 55447 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 7.24% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $439 | $149 | $588 | 4.04% |
| TROVIA INC3 | 150 SOUTH 5TH STREET SUITE 1750 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $263 | $263 | 1.81% |
| 20/20 ADVISOR GROUP3 Filed as: 20-20 ADVISOR GROUP LLC | 3500 VICKSBURG LANE NORTH #176 PLYMOUTH, MN 55447 | METROPOLITAN LIFE INSURANCE COMPANY | $632 | — | $632 | 6.91% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $263 | $91 | $354 | 3.87% |
| TROVIA INC3 | 150 SOUTH 5TH STREET SUITE 1750 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $158 | $158 | 1.73% |
| 20/20 ADVISOR GROUP3 Filed as: 20-20 ADVISOR GROPU LLC | 3500 VICKSBURG LANE NORTH #178 PLYMOUTH, MN 55447 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 14.21% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $421 | $166 | $587 | 8.27% |
| TROVIA INC3 | 150 SOUTH 5TH STREET SUITE 1750 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $252 | $252 | 3.55% |
| 20/20 ADVISOR GROUP3 Filed as: 20-20 ADVISOR GROUP LLC | 3500 VICKSBURG LANE NORTH #178 PLYMOUTH, MN 55447 | METROPOLITAN LIFE INSURANCE COMPANY | $672 | — | $672 | 11.30% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $280 | $112 | $392 | 6.59% |
| TROVIA INC3 | 150 S 5TH STREE4T SUITE 1750 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $168 | $168 | 2.82% |
| 20-20 ADVISORY GROUP LLC3 | 3500 VICKSBURG LANE NORTH #178 PLYMOUTH, MN 55447 | METLIFE LIFE INSURANCE COMPANY | $494 | — | $494 | 14.18% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METLIFE LIFE INSURANCE COMPANY | $206 | $80 | $286 | 8.21% |
| TROVIA INC3 | 150 SOUTH 5TH STREET SUITE 1750 MINNEAPOLIS, MN 55402 | METLIFE LIFE INSURANCE COMPANY | — | $124 | $124 | 3.56% |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 182 | $17K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 346 | $102K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 346 | $83K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 346 | $83K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 346 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.