| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAHOWALD INSURANCE AGENCY3 | 916 ST GERMAIN STREET ST. CLOUD, MN 56302 | PREFERRED ONE ADMINISTRATIVE SERVICES | $38K | $70K | $108K | 26.53% |
| MAHOWALD INSURANCE AGENCY3 | 916 ST GERMAIN STREET ST. CLOUD, MN 56302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $461 | $5K | 7.62% |
| MAHOWALD INSURANCE AGENCY3 | 916 ST GERMAIN STREET ST. CLOUD, MN 56302 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $352 | $2K | 7.98% |
| TRACY LEE BAILEY3 | 29717 131ST STREET PRINCETON, MN 55371 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 13.50% |
| BRENDA LEE CANNING3 | 4227 THRU STREET ST. CLOUD, MN 56303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $896 | $117 | $1K | 4.12% |
| BLUE SKY BENEFIT SOLUTIONS INC3 | 1500 39TH ST SOUTH ST. CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $401 | $237 | $638 | 2.60% |
| LAURA MARIE COOK3 | 6073 315TH ST STACY, MN 55079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | — | $190 | 0.77% |
| JACOB ELI CHAMPA3 | 10029 MAYHEW LAKE RD NE SAUK RAPIDS, MN 56379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | — | $129 | 0.52% |
| MELANIE LYNN GRAY3 | 3125 MAPLEWOOD RD WAYZATA, MN 55391 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $2 | $79 | 0.32% |
| MALLORY DANAE AITCHISON3 | 5793 SPIRIT HILL RD MONTICELLO, MN 55362 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $10 | $20 | 0.08% |
| INTEGRITY EMPLOYEE BENEFITS LLC3 Filed as: INTEGRITY EMPLOYEE BENEFITS | 8657 EAGLE POINT BLVD STE 200 LAKE ELMO, MN 55042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.05% |
| DESIREE WENDELL3 | 38269 EVERTON AVE NORTH BRANCH, MN 55056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 280 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREFERRED ONE ADMINISTRATIVE SERVICES | 275 | $408K |
| Dental | PREFERRED ONE ADMINISTRATIVE SERVICES | 275 | $408K |
| Vision | PREFERRED ONE ADMINISTRATIVE SERVICES | 275 | $408K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 288 | $27K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $67K |
| Prescription drug | PREFERRED ONE ADMINISTRATIVE SERVICES | 275 | $408K |
| Stop-loss / reinsurancereinsurance | PREFERRED ONE ADMINISTRATIVE SERVICES | 275 | $408K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 35 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.