| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE SUITE 400 BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $13K | 8.51% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 7.00% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, MN 60467 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 4.47% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, MN 60467 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $2K | $9K | 10.96% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE SUITE 400 BLOOMINGTON, MN 55437 | UNITEDHEALTHCARE INSURANCE COMPANY | $696 | $0 | $696 | 0.82% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, MN 60467 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $106 | $1K | 6.67% |
| RILEY SPENCER3 | 5105 WEST 35TH STREET SIOUX FALLS, SD 57106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $474 | $444 | $918 | 4.37% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE AND VARIOUS AGENTS | 886 POPLAR LANE WATERTOWN, MN 55388 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $802 | $82 | $884 | 4.21% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $515 | $368 | $883 | 4.20% |
| RYAN BENEFITS INC3 Filed as: RYAN CHRISTOPHER TRUCHON | 2297 119TH CIRCLE NE MINNEAPOLIS, MN 55449 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $286 | $7 | $293 | 1.39% |
| ROBERT SCOTT BRUNER3 | 24620 EAST CEDAR LAKE DRIVE NEW PRAGUE, MN 56071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $126 | $102 | $228 | 1.09% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $211 | $3 | $214 | 1.02% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $968 | $0 | $968 | 7.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $431 | $0 | $431 | 3.13% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 193 | $85K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 184 | $14K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $157K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $157K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $157K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.