| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE, SUITE 100 BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 8.29% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $8K | $11K | 6.40% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 4.48% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE, SUITE 100 BLOOMINGTON, MN 55437 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 4.12% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $489 | $8 | $497 | 2.67% |
| RILEY SPENCER3 | 5105 WEST 35TH STREET SIOUX FALLS, SD 57106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $315 | $21 | $336 | 1.80% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M. LUCAS AND OTHER AGENTS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $279 | $3 | $282 | 1.51% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $123 | $119 | $242 | 1.30% |
| MPARTS BENEFITS INC.3 Filed as: MPARTS BENEFITS INC | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $91 | $161 | 0.86% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | UNKNOWN CRANSTON, RI 02920 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $68 | $46 | $114 | 0.61% |
| RYAN BENEFITS INC3 Filed as: RYAN CHRISTOPHER TRUCHON | 2297 119TH CIRCLE NE MINNEAPOLIS, MN 55449 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $108 | $0 | $108 | 0.58% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.71% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | -$102 | $0 | -$102 | -0.91% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $94K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $173K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $173K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $173K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.