| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS W. HOEFER3 Filed as: DOUGLAS HOEFER | 13110 DANUBE LANE ROSEMOUNT, MN 55068 | USABLE LIFE | $4K | $0 | $4K | 6.00% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | USABLE LIFE | $3K | $0 | $3K | 5.00% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS INC | 13110 DANUBE LANE ROSEMOUNT, MN 55068 | USABLE LIFE | $2K | $0 | $2K | 3.00% |
| DOUGLAS W. HOEFER3 | 13110 DANUBE LANE ROSEMOUNT, MN 55068 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.90% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS INC | 13111 DANUBE LANE ROSEMOUNT, MN 55068 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.10% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| DOUGLAS W. HOEFER3 | 13110 DANUBE LANE ROSEMOUNT, MN 55068 | USABLE LIFE | $1K | $0 | $1K | 7.00% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST, SUITE 350 CHANHASSEN, MN 55317 | USABLE LIFE | $969 | $0 | $969 | 5.00% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS INC | 13110 DANUBE LANE ROSEMOUNT, MN 55068 | USABLE LIFE | $775 | $0 | $775 | 4.00% |
| DOUGLAS W. HOEFER3 | 13110 DANUBE LANE ROSEMOUNT, MN 55068 | USABLE LIFE | $2K | $0 | $2K | 10.00% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS INC | 13110 DANUBE LANE ROSEMOUNT, MN 55068 | USABLE LIFE | $800 | $0 | $800 | 5.00% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | USABLE LIFE | $800 | $0 | $800 | 5.00% |
| DOUGLAS W. HOEFER3 | 13110 DANUBE LANE ROSEMOUNT, MN 55068 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.60% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $786 | $0 | $786 | 5.00% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS INC | 13111 DANUBE LANE ROSEMOUNT, MN 55068 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $534 | $0 | $534 | 3.40% |
| DOUGLAS W. HOEFER3 | 13110 DANUBE LANE ROSEMOUNT, MN 55068 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.90% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS INC | 13111 DANUBE LANE ROSEMOUNT, MN 55068 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $766 | $0 | $766 | 5.10% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $751 | $0 | $751 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DOUGLAS W HOEFER INSURANCE AGENT | Insurance agents and brokers Service code 22 | 13110 DANUBE LANE ROSEMOUNT, MN 55068 | $13K |
| BENUSA LLC GROUP GENERAL AGENT | Insurance services Service code 23 | 1851 LAKE DR W #350 CHANHASSEN, MN 55317 | $8K |
| BENEFIT SPECIALISTS INC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 13111 DANUBE LANE ROSEMOUNT, MN 55068 | $7K |
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 | 334 | 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) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 334 | $31K |
| Short-term disability | USABLE LIFE | 334 | $60K |
| Long-term disability(2 contracts, 2 carriers) | USABLE LIFE | 334 | $35K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 316 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.