| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA, INC. | 400 HWY 169 S SAINT LOUIS PARK, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 44.20% |
| PREMIER BENEFITS GROUP INC3 Filed as: PREMIER BENEFITS GROUP | 417 MAIN AVE SUITE 206 FARGO, ND 58103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.00% |
| PREMIER BENEFITS GROUP INC3 Filed as: PREMIER BENEFITS GROUP | 417 MAIN AVE SUITE 206 FARGO, ND 58103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $774 | $0 | $774 | 10.00% |
| PREMIER BENEFITS GROUP INC3 Filed as: PREMIER BENEFITS GROUP | 417 MAIN AVE SUITE 206 FARGO, ND 58103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | ST LOUIS PARK 400 HWY 169 S SAINT LOUIS PARK, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERCIA | $1K | $0 | $1K | 21.98% |
| JENNON M CARUTH3 | 6400 FLYING CLOUD DR SUITE 215 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 73.10% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELL FARGO INS SVCS USA INC | ST LOUIS PARK 400 HWY 169 S SAINT LOUIS PARK, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 22.17% |
| JENNON M CARUTH3 | 6400 FLYING CLOUD DR SUITE 215 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 104.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | ST LOUIS PARK 400 HWY 169 S SAINT LOUIS PARK, MN 55426 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $177 | $0 | $177 | 3.52% |
| PREMIER BENEFITS GROUP INC3 Filed as: PREMIER BENEFITS GROUP | 417 MAIN AVE SUITE 206 FARGO, ND 58103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $81 | $0 | $81 | 9.99% |
| PREMIER BENEFITS GROUP INC3 Filed as: PREMIER BENEFITS GROUP | 417 MAIN AVE SUITE 206 FARGO, ND 58103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $94 | $0 | $94 | 14.99% |
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 | 286 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(8 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $51K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.