| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTELLICENTS INC3 | 100 NORTH BROADWAY ALBERT LEA, MN 56007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 7.00% |
| INTELLICENTS INC3 Filed as: INTELLICENTS, INC. | 100 N BROADWAY AVE ALBERT, MN 56007 | HEALTHPARTNERS UNITY POINT HEALTH | $11K | $11K | $22K | 31.95% |
| INTELLICENTS INC3 | 100 NORTH BROADWAY ALBERT LEA, MN 56007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.00% |
| INTELLICENTS INC3 | 100 N BROADWAY AVE ALBERT LEA, MN 560072401 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 4.57% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120 GILLS CREEK PKWY STE A COLUMBIA, SC 292091252 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 2.28% |
| PREMIER INSURANCE MANAGEMENT3 | SVC INC 12707 HIGH BLUFF DR STE 140 SAN DIEGO, CA 921304087 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 2.28% |
| RICHARD J GINTHER3 | 4220 LINCOLN AVENUE DES MOINES, IA 50310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.46% |
| INTELLICENTS INC3 | 100 NORTH BROADWAY AVE ALBERTA LEA, MN 56007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.28% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $471 | $219 | $690 | 1.68% |
| JERRI J GREGORY3 | 791 NW 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $328 | $48 | $376 | 0.91% |
| PATRICK M MCGOWAN3 | 4401 PARK GLEN RD MINNEAPOLIS, MN 55416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $313 | — | $313 | 0.76% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.24% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 13848 ROSEWOOD DRIVE CLIVE, IA 50325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.10% |
| RICHARD G MCGOWAN3 | 1716 N 59TH STREET OMAHA, NE 68104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.10% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.06% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON ROAD ROYALTON, MN 56373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| CARRIE S FLATEN3 | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| INTELLICENTS INC3 | 100 NORTH BROADWAY ALBERT LEA, MN 56007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.00% |
| INTELLICENTS INC3 | 100 NORTH BROADWAY ALBERT LEA, MN 56007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.00% |
| INTELLICENTS INC3 | 100 NORTH BROADWAY ALBERT LEA, MN 56007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $455 | — | $455 | 7.00% |
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 | 626 | 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) | 626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS UNITY POINT HEALTH | 1,136 | $69K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 805 | $63K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 611 | $110K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 38 | $38K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 610 | $189K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 611 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,136 | — |
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.