| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUSTY BARNHART AGCY3 Filed as: MUSTY BARNHART AGENCY INC | PO BOX 133 RED WING, MN 55066 | UNITEDHEALTHCARE INSURANCE COMPANY | $70K | — | $70K | 5.00% |
| MUSTY BARNHART AGCY3 Filed as: MUSTY BARNHART AGENCY, INC. | 910 MAIN STREET SUITE 202 RED WING, MN 55066 | DELTA DENTAL OF MINNESOTA | $8K | — | $8K | 8.89% |
| MUSTY BARNHART AGCY3 | 910 MAIN STREET SUITE 202 RED WING, MN 55066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 8.51% |
| BRIANNA K BUCHOLZ3 | W4763 230TH AVENUE MAIDEN ROCK, WI 54750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.96% |
| TIM A BECKER3 | 2313 MOHOLT DRIVE EAU CLAIRE, WI 54703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $459 | — | $459 | 0.82% |
| CHONDRA M CARLSON3 | 660 PINE RIDGE TERRACE RIVER FALLS, WI 54022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $454 | — | $454 | 0.81% |
| SAMANTHA C CORTELAZZO-ABBATE3 Filed as: SAMANTHA J MICHAELSON | E4355 PINEWOOD CIRCLE ELEVA, WI 54738 | CONTINENTAL AMERICAN INSURANCE COMPANY | $433 | — | $433 | 0.77% |
| MUSTY BARNHART AGCY3 Filed as: MUSTY BARNHART AGENCY INC | PO BOX 133 RED WING, MN 55066 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 13.15% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 127 | $1.4M |
| Dental | DELTA DENTAL OF MINNESOTA | 116 | $91K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 139 | $97K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 139 | $97K |
| Long-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 139 | $97K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 139 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.