| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY SCHATZ3 | 16651 BRENTWOOD PASS NORTHWEST PRIOR LAKE, MN 55379 | HEALTHPARTNERS INSURANCE COMPANY | — | $43K | $43K | 1.24% |
| SCHATZ, TIMOTHY3 | 12280 NICOLLET AVENUE SUITE 104 BURNSVILLE, MN 55337 | HEALTHPARTNERS INSURANCE COMPANY | — | $27K | $27K | 0.78% |
| MN HEALTH INS NETWORKING INC3 | 12280 NICOLLET AVENUE SUITE 104 BURNSVILLE, MN 55337 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 5.46% |
| SCHATZ BENEFIT GROUP3 Filed as: SCHATZ BENEFIT GROUP INC | PO BOX 367 PRIOR LAKE, MN 55372 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 3.80% |
| GOLDENCARE USA INC3 | 10700 COUNTY ROAD 15 SUITE 450 MINNEAPOLIS, MN 55441 | TRANSAMERICA LIFE INSURANCE COMPANY | $528 | — | $528 | 0.51% |
| GOLDENCARE CORP3 | PO BOX 9366 YAKIMA, WA 98909 | TRANSAMERICA LIFE INSURANCE COMPANY | $525 | — | $525 | 0.51% |
| EDUCATORS LIFETIME SOLUTIONS LLC3 | 1995 EAST RUN RIVER DRIVE SOUTH CAMBRIDGE, MN 55008 | GENWORTH LIFE INSURANCE COMPANY | $4K | — | $4K | 10.52% |
| SCHATZ BENEFIT GROUP3 | 16651 BRENTWOOD PASS NORTHWEST PRIOR LAKE, MN 55379 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $504 | — | $504 | 5.89% |
| DIRECT BENEFITS, INC. - BOR3 | 55 EAST STREET SUITE 500 ST. PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $424 | — | $424 | 4.96% |
| MN HEALTH INSURANCE NETWORK, INC.3 | 12280 NICOLLET AVENUE #104 BURNSVILLE, MN 55337 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $345 | — | $345 | 4.03% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 431 | $3.5M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 134 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 162 | $179K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 162 | $179K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 162 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.