| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 5.91% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 1.81% |
| 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 | 5500 WAYZATA BOULEVARD MINNETONKA, MN 55416 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $7 | $2K | 7.47% |
| NATALIE SUZANNE FONVILLE3 | 1600 THOMAS AVENUE NORTH MINNEAPOLIS, MN 55411 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $316 | $1K | 5.44% |
| FLORENCE RYDEN3 | 2950 BENT TREE HILLS DRIVE NEW BRIGHTON, MN 55112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $133 | $22 | $155 | 0.58% |
| ZACHARY M SWARTZENDRUBER3 | 600 US 169 SAINT LOUIS PARK, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $93 | $17 | $110 | 0.41% |
| COORDINATED BENEFIT ADVISORS3 | 600 US 169 SAINT LOUIS PARK, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $42 | $83 | 0.31% |
| PEGGY SUE LAZER3 Filed as: PEGGY SUE LAZER AND VARIOUS | 30585 OLSON STREET PEQUOT LAKES, MN 56472 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.08% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | 24586 PELICAN LAKE ROAD GLENWOOD, MN 56334 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.07% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 14.87% |
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 | 591 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 42 | $27K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 591 | $44K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 591 | $227K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 591 | $227K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 591 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
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.