| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3600 AMERICAN BLVD W STE 500 BLOOMINGTON, MN 55431 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $762 | $3K | 2.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 916 W SAINT GERMAIN ST SAINT CLOUD, MN 56301 | PRINCIPAL LIFE INSURANCE COMPANY | $567 | — | $567 | 0.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFTI SERVICE INC | FABER, BRIDGET PO BOX 95287 CHICAGO, IL 60694 | HEALTHPARTNERS ADMINISTRATORS INC | $39K | $561 | $39K | 88.64% |
| TRACY LEE BAILEY3 | 29717 131ST ST PRINCETON, MN 55371 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 13.61% |
| BRENDA LEE CANNING3 | 4227 THRU ST SAINT CLOUD, MN 56303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $622 | $2K | 4.99% |
| BEYOND BENEFITS LLC3 | 29717 131ST ST PRINCETON, MN 55371 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $741 | $81 | $822 | 1.92% |
| LINDSEY BARNES3 | 31196 151ST ST NW PRINCETON, MN 55371 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 0.29% |
| BLUE SKY BENEFIT SOLUTIONS INC3 | 4010 CLEARWATER RD APT 202 SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.23% |
| ARIEL BRELJE3 | 10859 MAJOR AVE GLENCOE, MN 55336 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.14% |
| DEBRA FERRAO3 | 7102 HEATHERTON TRL MINNEAPOLIS, MN 55435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $8 | $17 | 0.04% |
| NATALIE SUZANNE FONVILLE3 | 2415 ZENITH AVE N GOLDEN VALLEY, MN 55422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.02% |
| BRADLEY HALVERSON3 | 319 W 5TH ST BLUE EARTH, MN 56013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.01% |
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 | 308 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS ADMINISTRATORS INC | 308 | $44K |
| Dental | HEALTHPARTNERS ADMINISTRATORS INC | 308 | $44K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 410 | $112K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 410 | $155K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 55 | $43K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 410 | $112K |
| Prescription drug | HEALTHPARTNERS ADMINISTRATORS INC | 308 | $44K |
| Stop-loss / reinsurancereinsurance | HEALTHPARTNERS ADMINISTRATORS INC | 308 | $44K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 55 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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."
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.