| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN | UNKNOWN SAINT LOUIS PARK, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 5.99% |
| MARK A GROVE3 | UNKNOWN SAINT LOUIS PARK, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 5.87% |
| FRANCISCO X CABRERA AND VAR. AGENTS3 | UNKNOWN SAINT LOUIS PARK, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $547 | $0 | $547 | 1.19% |
| MEGHAN MOFFATT LUCAS3 | UNKNOWN SAINT LOUIS PARK, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $430 | $0 | $430 | 0.93% |
| ELIZABETH MARIE LANGEVIN3 | UNKNOWN SAINT LOUIS PARK, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $426 | $0 | $426 | 0.93% |
| MARY JO CHAPPELL3 | UNKNOWN SAINT LOUIS PARK, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $120 | $0 | $120 | 0.26% |
| JILL R LAMBERT3 | UNKNOWN SAINT LOUIS PARK, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $107 | $0 | $107 | 0.23% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 203 | $46K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 203 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.