| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC A GROVE3 Filed as: MARC A. GROVE | UNKNOWN SAINT LOUIS PARK, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OF MN, INC. | UNKNOWN SAINT LOUIS PARK, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 7.00% |
| MJ INSURANCE3 Filed as: JULIAN OLALDE AND VARIOUS AGENTS | UNKNOWN SAINT LOUIS PARK, MN 55423 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $461 | — | $461 | 2.19% |
| ELIZABETH MARIE LANGEVIN3 | UNKNOWN SAINT LOUIS PARK, MN 55423 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $266 | — | $266 | 1.27% |
| MEGHAN MOFFATT LUCAS3 | UNKNOWN SAINT LOUIS PARK, MN 55423 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $266 | — | $266 | 1.27% |
| EILEEN GALGANO3 | UNKNOWN SAINT LOUIS PARK, MN 55423 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.58% |
| NATHANIEL EARL MILLER3 | UNKNOWN SAINT LOUIS PARK, MN 55423 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.33% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 132 | $21K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 132 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.