| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN, INC. | 505 WATERFORD PARK, HIGHWAY 169 SUITE 1100 PLYMOUTH, MN 55441 | MEDICA INSURANCE COMPANY | $19K | $2K | $20K | 3.28% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC. | 9855 WEST 78TH STREET, SUITE 100 EDEN PRAIRIE, MN 55344 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN, INC. | 505 WATERFORD PARK, HIGHWAY 169 SUITE 1100 PLYMOUTH, MN 55441 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN, INC. | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | DELTA DENTAL OF MINNESOTA | $1K | $0 | $1K | 10.16% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE, INC. | 6505 DEMPSEY AVENUE SW WAVERLY, MN 55390 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $193 | $46 | $239 | 4.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN, INC. | 505 HIGHWAY 169 NORTH SUITE 1100 MINNEAPOLIS, MN 55441 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $235 | $0 | $235 | 4.46% |
| SUSAN MAE DANIEL3 Filed as: SUSAN G. BOXRUD | 1804 MICHIGAN DRIVE NORTHFIELD, MN 55057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $222 | $3 | $225 | 4.27% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $84 | $80 | $164 | 3.11% |
| ATB INSURANCE INC3 Filed as: ATB INSURANCE, INC. | 8654 SOUTH MAPLEBROOK CIRCLE BROOKLYN PARK, MN 55445 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $129 | $16 | $145 | 2.75% |
| JAMIE MCREYNOLDS3 Filed as: JAMIE MCREYNOLDS AND OTHER AGENTS | 4550 MINNETONKA BOULEVARD MINNEAPOLIS, MN 55416 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $99 | $39 | $138 | 2.62% |
| CARRIE S FLATEN3 Filed as: CARRIE S. FLATEN | 2606 86TH COURT WEST NORTHFIELD, MN 55057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $88 | $7 | $95 | 1.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN, INC. | 505 WATERFORD PARK, HIGHWAY 169 SUITE 1100 PLYMOUTH, MN 55441 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $263 | $0 | $263 | 9.51% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 69 | $621K |
| Dental | DELTA DENTAL OF MINNESOTA | 21 | $12K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 55 | $3K |
| Life insurance(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $69K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 8 | $5K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $39K |
| Prescription drug | MEDICA INSURANCE COMPANY | 69 | $621K |
| Other(3 contracts, 3 carriers) | MEDICA INSURANCE COMPANY | 137 | $666K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.