| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | 800 MAIN STREET DUBUQUE, IA 52001 | UNITED CONCORDIA INSURANCE COMPANY | $42K | — | $42K | 6.81% |
| COTTINGHAM & BUTLER3 | 800 MAIN DUBUQUE, IA 52001 | UNUM INSURANCE COMPANY | $12K | $4K | $16K | 9.52% |
| HNI RISK SERVICES3 | 1608 W CLEVELAND NEW BERLIN, WI 53151 | UNUM INSURANCE COMPANY | $5K | $532 | $5K | 3.17% |
| MICHAEL D SCHULTZ3 Filed as: MICHAEL AXTELL | 3562 6TH PL NW ROCHESTER, MN 55901 | COLONIAL LIFE & ACCIDENT | $8K | — | $8K | 13.66% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT | $481 | $345 | $826 | 1.41% |
| ROBERT SCOTT BRUNER3 Filed as: ROBERT BRUNER | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT | $342 | $256 | $598 | 1.02% |
| CARRIE S FLATEN3 Filed as: CARRIE FLATEN | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT | $416 | $102 | $518 | 0.88% |
| LACIE M SWARTZENDRUBER3 Filed as: LACIE SWARTZENDRUBER | 4119 SHERIDAN AVE N MINNEAPOLIS, MN 55412 | COLONIAL LIFE & ACCIDENT | $264 | — | $264 | 0.45% |
| JON SCOTT SWARTZENDRUBER3 Filed as: JON SWARTZENDRUBER | 600 HWY 169 S MINNEAPOLIS, MN 55426 | COLONIAL LIFE & ACCIDENT | $203 | — | $203 | 0.35% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN LICAS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT | $122 | $62 | $184 | 0.31% |
| TERI L SWARTZENDRUBER3 Filed as: TERI SWARTZENDRUBER | 4130 GIRARD AVE N MINNEAPOLOS, MN 55412 | COLONIAL LIFE & ACCIDENT | $167 | — | $167 | 0.28% |
| JOSE JOHN LOPEZ3 Filed as: JOSE LOPEZ | 5908 303RD ST WAY CANNON FALLS, MN 55009 | COLONIAL LIFE & ACCIDENT | $148 | — | $148 | 0.25% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH LANGEVIN | 698 W LARPENTEUR ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT | $105 | $38 | $143 | 0.24% |
| PEGGY SUE LAZER3 Filed as: PEGGY LAZER | 30585 OLSEN ST PEQUOT LAKES, MN 56472 | COLONIAL LIFE & ACCIDENT | $109 | — | $109 | 0.19% |
| JILL R LAMBERT3 Filed as: JILL LAMBERT | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT | $63 | $28 | $91 | 0.16% |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED CONCORDIA INSURANCE COMPANY | 140 | $623K |
| Life insurance(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 164 | $223K |
| Short-term disability(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 164 | $223K |
| Long-term disability | COLONIAL LIFE & ACCIDENT | 56 | $59K |
| Other(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 164 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.