| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 3.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - DALLAS TX | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 3.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - DALLAS TX | 2100 ROSS AVE #1200 MINNEAPOLIS, MN 75201 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 2.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF, A MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE N #300 MINNEAPOLIS, MN 55428 | EYEMED | $2K | $0 | $2K | 4.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - DALLAS TX | DEPT 3042 DALLAS, TX 753123042 | EYEMED | $1K | $0 | $1K | 3.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - DALLAS TX | 2100 ROSS AVE #1200 DALLAS, TX 75201 | EYEMED | $701 | $0 | $701 | 1.65% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 5500 WAYZATA BLVD MINNETONKA, MN 55416 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 8.62% |
| NATALIE SUZANNE FONVILLE3 | 1600 THOMAS AVE N MINNEAPOLIS, MN 55411 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $238 | $2K | 7.01% |
| ZACHARY M SWARTZENDRUBER3 | 600 US 169 ST LOUIS PARK, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $252 | $126 | $378 | 1.26% |
| FLORENCE RYDEN3 | 810 4TH AVENUE SOUTH MOORHEAD, MN 56560 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $170 | $0 | $170 | 0.57% |
| PEGGY SUE LAZER3 | 1735 BRANTLEY RD FORT MYERS, FL 33907 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.06% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | 24586 PELICAN LAKE ROAD GLENWOOD, MN 56334 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N MINNEAPOLIS, MN 55428 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.02% |
| BLUE SKY BENEFIT SOLUTIONS INC3 | 1500 39TH ST SOUTH SAINT CLOUD, MN 56301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.01% |
| JON SCOTT SWARTZENDRUBER3 | 600 HWY 169 SOUTH MINNEAPOLIS, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| JAMES BUCKLEY3 | 937 WALL STREET NORTH MANKATO, MN 56003 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF, A MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $943 | $0 | $943 | 10.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - DALLAS TX | DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $575 | $0 | $575 | 6.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF, A MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $300 | $0 | $300 | 10.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - DALLAS TX | DEPT 3042 DALLAS, TX 753123042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $181 | $0 | $181 | 6.08% |
| KCA MARKETING INC DBA LEGAL BENEFIT3 | PO BOX 1702 MAPLE GROVE, MN 55311 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $20 | $0 | $20 | 5.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF, A MARSH & MCLENNAN AGENCY LLC | 7225 NORTHLAND DRIVE N #300 MINNEAPOLIS, MN 55428 | EYEMED | $21 | $0 | $21 | 7.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVE #1200 DALLAS, TX 75201 | EYEMED | $3 | $0 | $3 | 1.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT 3042 DALLAS, TX 753123042 | EYEMED | $3 | $0 | $3 | 1.09% |
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 | 377 | 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) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED | 559 | $43K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 586 | $227K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 586 | $227K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 586 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.