| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 9.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 5.44% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $569 | $4K | 4.41% |
| MJ INSURANCE3 Filed as: SCOTT JOHNSON AND VARIOUS AGENTS | 4745 NARVIK DRIVE EAGAN, MN 55122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $198 | $2K | 2.29% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $492 | $87 | $579 | 0.70% |
| ELIZABETH MARIE LANGEVIN3 | 698 W HUMPHREY STREET LAKE CRYSTAL, MN 56055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $477 | $52 | $529 | 0.64% |
| JENNIFER B WILLIAMS3 | 17594 WIEDMAN WAY EDEN PRARIE, MN 55347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $279 | $17 | $296 | 0.36% |
| MARY JO CHAPPELL3 | 109 COUNTY ROAD 251 CAMERON, TX 76520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $212 | $9 | $221 | 0.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | EYEMED | $915 | $0 | $915 | 9.03% |
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 | 523 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 257 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 523 | $112K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 523 | $112K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 523 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.