| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN, INC. | 505 WATERFORD PARK, HIGHWAY 169 SUITE 1100 PLYMOUTH, MN 55441 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING 2, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $546 | $546 | 1.06% |
| PAMELA JEAN DESHAW-BRACKETT3 | 6518 WEST HUNTER LAKE ROAD DULUTH, MN 55803 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $171 | $0 | $171 | 4.85% |
| STERLING WEALTH MANAGEMENT LLC3 Filed as: STERLING WEALTH MANAGEMENT, LLC | W175N11163 STONEWOOD DRIVE SUITE 10 GERMANTOWN, WI 53022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.34% |
| GARSON FINANCIAL SERVICES S C3 Filed as: GARSON FINANCIAL SERVICES SC | 929 NORTH ASTOR STREET, SUITE 1406 MILWAUKEE, WI 53202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.26% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 124 | $55K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 124 | $52K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 124 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.