| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE INSURANCE | $12K | $0 | $12K | 5.85% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE INSURANCE | $0 | $8K | $8K | 3.77% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 10.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $662 | $0 | $662 | 1.77% |
| LOCKTON COMPANIES, LLC3 | 5500 WAYZATA BOULEVARD MINNETONKA, MN 55416 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3 | $2K | 8.19% |
| NATLAIE SUZANNE FONVILLE3 | 1600 THOMAS AVENUE N MINNEAPOLIS, MN 55411 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $356 | $69 | $425 | 2.12% |
| PEGGY SUE LAZER3 | 30585 OLSON STREET PEQUOT LAKES, MN 56472 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $119 | $0 | $119 | 0.59% |
| FLORENCE RYDEN3 | 2950 BENT TREE HILLS DRIVE NEW BRIGHTON, MN 55112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $100 | $3 | $103 | 0.51% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | 24586 PELICAN LAKE ROAD GLENWOOD, MN 56334 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $3 | $23 | 0.11% |
| COORDINATED BENEFIT ADVISORS3 | 600 US 169 SAINT LOUIS PARK, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $3 | $12 | 0.06% |
| J SWARTZENDRUBER & OTHER AGENTS3 | 600 HIGHWAY 169 SOUTH MINNEAPOLIS, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 14.78% |
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 | 585 | 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) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 36 | $20K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 574 | $37K |
| Life insurance | HARTFORD LIFE INSURANCE | 585 | $206K |
| Long-term disability | HARTFORD LIFE INSURANCE | 585 | $206K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE INSURANCE | 585 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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.