| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHATZ, TIMOTHY3 Filed as: SCHATZ TIMOTHY | LECLAIR CORPORATION DBA LECLAIR GRO 6701 UPPER AFTON ROAD SAINT PAUL, MN 55125 | HEALTHPARTNERS INSURANCE COMPANY | — | $70K | $70K | 1.77% |
| GOLDENCARE USA INC3 | 10700 COUNTY ROAD 15 SUITE 450 MINNEAPOLIS, MN 55441 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 1.93% |
| SCHATZ BENEFIT GROUP3 Filed as: SCHATZ BENEFIT GROUP INC | PO BOX 367 PRIOR LAKE, MN 55372 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 10.00% |
| MINNESOTA HEALTH INSURANCE NETWORK3 Filed as: MINNESOTA HEALTH INSURANCE NETWORK, | 12280 NICOLET AVENUE SUITE 104 BURNSVILLE, MN 55337 | HARTFORD LIFE AND ACCIDENT | $3 | — | $3 | 0.00% |
| EDUCATORS LIFETIME SOLUTIONS LLC3 | 1995 EAST RUN RIVER DRIVE SOUTH CAMBRIDGE, MN 55008 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 10.38% |
| SCHATZ BENEFIT GROUP3 | 16651 BRENTWOOD PASS NORTHWEST PRIOR LAKE, MN 55379 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.95% |
| GCG FINANCIAL LLC3 Filed as: DIRECT BENEFITS, AN ALERA GROUP AGE | 7900 INTERNATIONAL DRIVE SUITE 1040 BLOOMINGTON, MN 55425 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $546 | — | $546 | 4.98% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 409 | $4.0M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 69 | $11K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 163 | $177K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 163 | $177K |
| Other(5 contracts, 4 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 187 | $559K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.