| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN TOUSLEY, BEARENCE MNGMT GRP3 Filed as: STEPHEN TOUSLEY | 2010 CENTRE POINT BOULEVARD SAINT PAUL, MN 55120 | HEALTHPARTNERS | $8K | $870 | $8K | 3.17% |
| BEARANCE MANAGEMENT GROUP3 Filed as: BEARANCE MANAGEMENT GROUP LLC | 2010 CENTRE POINTE BOULEVARD STEPHEN TOUSLEY MENDOTA HEIGHTS, MN 55120 | MEDICA INSURANCE COMPANY | $13K | — | $13K | 6.80% |
| BEARENCE MANAGEMENT GROUP LLC3 Filed as: BEARENCE MANAGEMENT GROUP, LLC | 2010 CENTRE POINT BOULEVARD MENDOTA HEIGHTS, MN 55120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| BEARENCE MANAGEMENT GROUP LLC3 Filed as: BEARENCE MANAGEMENT GROUP, LLC | 1045 76TH STREET SUITE 4000 WEST DES MOINES, ID 50266 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $152 | $152 | 0.24% |
| BEARANCE MANAGEMENT GROUP3 Filed as: BEARANCE MANAGEMENT GROUP LLC | 2010 CENTRE POINT BOULEVARD MENDOTA HEIGHTS, MN 55120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.09% |
| BEARANCE MANAGEMENT GROUP3 Filed as: BEARANCE MANAGEMENT GROUP LLC | 1045 76TH STREET SUITE 4000 WEST DES MOINES, ID 50266 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $122 | $122 | 0.51% |
| BEARANCE MANAGEMENT GROUP3 Filed as: BEARANCE MANAGEMENT GROUP LLC | 2010 CENTRE POINT BOULEVARD MENDOTA HEIGHTS, MN 55120 | METROPOLITIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.95% |
| BEARANCE MANAGEMENT GROUP3 Filed as: BEARANCE MANAGEMENT GROUP LLC | 11020 KING STREET SUITE 350 OVERLAND PARK, KS 66210 | METROPOLITIAN LIFE INSURANCE COMPANY | — | $341 | $341 | 1.61% |
| BEARANCE MANAGEMENT GROUP3 Filed as: BEARANCE MANAGEMENT GROUP LLC | 2010 CENTRE POINT BOULEVARD MENDOTA HEIGHTS, MN 55120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $919 | — | $919 | 12.50% |
| BEARENCE MANAGEMENT GROUP LLC3 | 1045 76TH STREET SUITE 4000 WEST DES MOINES, IA 50266 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $33 | $33 | 0.45% |
| BEARANCE MANAGEMENT GROUP3 Filed as: BEARANCE MANAGEMENT GROUP LLC | 2010 CENTRE POINT BOULEVARD MENDOTA HEIGHTS, MN 55120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $699 | — | $699 | 14.99% |
| BEARENCE MANAGEMENT GROUP LLC3 | 1045 76TH STREET SUITE 4000 WEST DES MOINES, IA 50266 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $25 | $25 | 0.54% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS | 29 | $268K |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 202 | $84K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 236 | $7K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 236 | $24K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 29 | $5K |
| Stop-loss / reinsurancereinsurance | MEDICA INSURANCE COMPANY | 177 | $197K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 236 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.