| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTELLICENTS INC3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 4.61% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $587 | $7K | 2.95% |
| PREMIER INS MANAGEMENT SERVICES INC3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 2.71% |
| NFP INSURANCE SERVICES INC3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $612 | $612 | 0.25% |
| ALLIANCE BENEFIT GROUP FINANCIAL3 | SVCS GROUP 100 N BROADWAY AVE ALBERT LEA, MN 56007 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 4.59% |
| PREMIER INSURANCE MANAGEMENT3 | SVC INC 12255 EL CAMINO REAL SAN DIEGO, CA 92130 | UNITEDHEALTHCARE INSURANCE COMPANY | $782 | — | $782 | 2.30% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | — | UNITEDHEALTHCARE INSURANCE COMPANY | $782 | — | $782 | 2.30% |
| ALLIANCE BENEFIT GROUP FINANCIAL3 | 201 EAST CLARK STREET ALBERTA LEA, MN 56007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $685 | — | $685 | 3.30% |
| RICHARD J GINTHER3 | 4220 LINCOLN AVENUE DES MOINES, IA 50310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $536 | $5 | $541 | 2.61% |
| PATRICK M MCGOWAN3 | 4401 PARK GLEN RD MINNEAPOLIS, MN 55416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $445 | — | $445 | 2.15% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $31 | $200 | 0.96% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | — | $146 | 0.70% |
| RICHARD G MCGOWAN3 | 1716 N 59TH STREET OMAHA, NE 68104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.38% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 4721 BROOKVIEW DRIVE WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $19 | $56 | 0.27% |
| JERRI J GREGORY3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $14 | $51 | 0.25% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.18% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON ROAD ROYALTON, MN 56373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.12% |
| BRYON A BROWDER3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| BENECOMM RESOURCES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.03% |
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 | 527 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 398 | $34K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 739 | $246K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 739 | $246K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 739 | $246K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 739 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.