| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH EDWARD HUGUELET III3 | 11294 BIRCH ISLAND ROAD EAST GULL LAKE, MN 56401 | DELTA DENTAL OF MINNESOTA | $6K | — | $6K | 5.77% |
| JOSEPH E HUGUELET III3 | 11294 BIRCH ISLAND ROAD EAST GULL LAKE, MN 56401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 15.00% |
| JENNON M CARUTH3 | 6400 FLYING CLOUD DR STE 215 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $759 | $10K | 16.90% |
| JOSEPH E HUGUELET III3 | 11294 BIRCH ISLAND ROAD EAST GULL LAKE, MN 56401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.43% |
| JOSEPH E HUGUELET III3 | 11294 BIRCH ISLAND ROAD EAST GULL LAKE, MN 56401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.09% |
| JENNON M CARUTH3 | 6400 FLYING CLOUD DR STE 215 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $385 | $7K | 27.81% |
| JOSEPH E HUGUELET III3 | 11294 BIRCH ISLAND ROAD EAST GULL LAKE, MN 56401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 17.55% |
| JOSEPH E HUGUELET III3 Filed as: JOSEPH HUGUELET | 11294 BIRCH ISLAND ROAD BRAINERD, MN 56401 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SANFORD HEALTH PLAN | 333 | $1.2M |
| Dental | DELTA DENTAL OF MINNESOTA | 282 | $108K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 173 | $19K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 91 | $55K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 91 | $80K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 91 | $80K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.