| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE BLOOMINGTON, MN 55437 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | $14K | $55K | 4.39% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 0.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.83% |
| USI INSURANCE SERVICES LLC3 | 1001 LAKESIDE AVENUE, SUITE 1200 CLEVELAND, OH 44114 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $55 | $10K | 25.21% |
| ROBERT SCOTT BRUNER3 | 24620 EAST CEDAR LAKE DRIVE NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 19.88% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 9.51% |
| MJ INSURANCE3 Filed as: MEGHAN LUCAS AND VARIOUS AGENTS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $766 | $4K | 9.06% |
| LAURA GUERRERO3 | 1070 92 STREET MIAMI BEACH, FL 33154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $303 | $3K | 6.66% |
| PERLA SPIRGEL3 | 10886 BLUE PALM STREET PLANTATION, FL 33324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $104 | $2K | 5.83% |
| L&I CONSULTANTS3 Filed as: L & I CONSULTANTS | 1070 92ND STREET, APARTMENT 4 MIAMI BEACH, FL 33154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $22 | $1K | 3.54% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 385 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 385 | $1.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 385 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 385 | $1.3M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 70 | $45K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 70 | $45K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 385 | $1.2M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 385 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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."
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.
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.