| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | — | $25K | $0 | $25K | 4.84% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 8401 73RD AVENUE NORTH BROOKLYN PARK, MN 55428 | — | $10K | $0 | $10K | 2.00% |
| FLAGSHIP INSURANCE SERVICES INC3 Filed as: FLAGSHIP INSURANCE SERVICES IN | PO BOX 99 WINSTED, MN 55395 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $407 | $0 | $407 | 0.25% |
| TOBIAS JONATHAN BRUST3 | 18444 TRISTRAM WAY EDEN PRAIRIE, MN 55346 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $322 | $48 | $370 | 0.23% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENEUR AVE ST PAUL, MN 55113 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $118 | $70 | $188 | 0.11% |
| MEGAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $72 | $19 | $91 | 0.06% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36 | $41 | $77 | 0.05% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43 | $27 | $70 | 0.04% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 1009 8TH AVE NE WASECA, MN 56093 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38 | $3 | $41 | 0.03% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24 | $6 | $30 | 0.02% |
| FLORENCE RYDEN3 | 810 4TH AVENUE SOUTH MOORHEAD, MN 56560 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18 | $0 | $18 | 0.01% |
| PATRICK M MCGOWAN3 | 4401 PARK GLEN RD MINNEAPOLIS, MN 55416 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18 | $0 | $18 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF A MARSH & MCLENNAN AGENCY LLC | 7225 NORTHLAND DRIVE N #300 MINNEAPOLIS, MN 55428 | EYEMED | $582 | $0 | $582 | 9.66% |
| FLAGSHIP INSURANCE SERVICES INC3 | PO BOX 99 WINSTED, MN 55395 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $214 | $1K | 24.94% |
| TOBIAS JONATHAN BRUST3 | 18444 TRISTRAM WAY EDEN PRAIRIE, MN 55346 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $322 | $48 | $370 | 7.04% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $118 | $70 | $188 | 3.58% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $72 | $19 | $91 | 1.73% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $41 | $77 | 1.47% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | $27 | $70 | 1.33% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 1009 8TH AVE NE WASECA, MN 56093 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $3 | $41 | 0.78% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $6 | $30 | 0.57% |
| FLORENCE RYDEN3 | 810 4TH AVENUE SOUTH MOORHEAD, MN 56560 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.34% |
| PATRICK M MCGOWAN3 | 4401 PARK GLEN RD MINNEAPOLIS, MN 55416 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.34% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | 205 | $507K | |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $164K |
| Vision | EYEMED | 133 | $6K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $164K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $164K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.