| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 3.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 6.50% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.81% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT ROAD, SUITE 240 SAINT CLOUD, MN 56301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $188 | $1K | 1.26% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | EYEMED VISION CARE | $3K | — | $3K | 8.37% |
| KATHY ZEIDLER3 | 960 WESTCHESTER AVENUE SHAKOPP, MN 55379 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 11.19% |
| JAMES LENCY CLAIRMONT3 Filed as: JAMES SANDBERG | 2125 VERNON DRIVE MINNETONKA, MN 55305 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $367 | $2K | 10.48% |
| LOCKTON COMPANIES, LLC3 | 3500 WAYZATA BOULEVARD MINNETONKA, MN 55416 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $307 | $2K | 9.31% |
| NATALIE MALHAM3 Filed as: NATALIE SUZANNE BASS | 1600 THOMAS AVENUE NORTH MINNEAPOLIS, MN 55411 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $452 | $1K | 6.23% |
| FLORENCE RYDEN3 | 2950 BENT TREE HILLS DRIVE NEW BRIGHTON, MN 55112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $541 | $688 | $1K | 5.21% |
| PEGGY SUE LAZER3 | 7914 113TH AVENUE NORTH CHAMPLIN, MN 55316 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $920 | $256 | $1K | 4.99% |
| MELISSA A MURRAY3 Filed as: MELISSA A. MURRAY AND VARIOUS AGENT | 3021 6TH STREET EAST WELLS FARGO, ND 58078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $607 | $473 | $1K | 4.58% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $824 | $18 | $842 | 16.16% |
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 | 560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 39 | $24K |
| Vision | EYEMED VISION CARE | 559 | $41K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 560 | $119K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 560 | $205K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 560 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.