| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTELLICENTS INC3 | 100 N BROADWAY AVE ALBERT LEA, MN 56007 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 5.93% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 2.55% |
| PREMIER INS MANAGEMENT SERVICES INC3 Filed as: PREMIER INS MANAGEMENT SERVICES | 12544 HIGH BLUFF DR STE 430 SAN DIEGO, CA 92130 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 2.55% |
| INTELLICENTS INC3 | 100 N BROADWAY AVE ALBERT LEA, MN 560072401 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 4.51% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120 GILLS CREEK PKWY STE A COLUMBIA, SC 292091252 | UNITEDHEALTHCARE INSURANCE COMPANY | $870 | — | $870 | 2.26% |
| PREMIER INSURANCE MANAGEMENT3 | SVC INC 12255 EL CAMINO REAL SAN DIEGO, CA 921304087 | UNITEDHEALTHCARE INSURANCE COMPANY | $870 | — | $870 | 2.26% |
| ALLIANCE BENEFIT GROUP FINANCIAL3 | 201 EAST CLARK STREET ALBERTA LEA, MN 56007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $934 | — | $934 | 3.33% |
| PATRICK M MCGOWAN3 | 4401 PARK GLEN RD MINNEAPOLIS, MN 55416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $570 | — | $570 | 2.03% |
| RICHARD J GINTHER3 | 4220 LINCOLN AVENUE DES MOINES, IA 50310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $507 | $2 | $509 | 1.81% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | $13 | $231 | 0.82% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | — | $185 | 0.66% |
| RICHARD G MCGOWAN3 | 1716 N 59TH STREET OMAHA, NE 68104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.28% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.17% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 4721 BROOKVIEW DRIVE WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $14 | $43 | 0.15% |
| JERRI J GREGORY3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $9 | $38 | 0.14% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON ROAD ROYALTON, MN 56373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.12% |
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 | 554 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 194 | $39K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 502 | $244K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 502 | $244K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 502 | $244K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 502 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.