| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | UNITED HEALTHCAER INSURANCE COMPANY | $28K | $0 | $28K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 9.14% |
| LAMPHERE INS GROUP3 | 606 25TH AVE S STE 204 ST. CLOUD, MN 56301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 16.33% |
| LAMPHERE INS GROUP3 | 606 25TH AVE S STE 204 ST. CLOUD, MN 56301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 9.05% |
| LAMPHERE INS GROUP3 | 606 25TH AVE S STE 204 ST. CLOUD, MN 56301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 16.25% |
| BLUE CHIP FINANCIAL INC3 | 49 2ND AVE N STE 101 WAITE PARK, MN 56387 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $174 | $0 | $174 | 3.24% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON RD ROYALTON, MN 56373 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $118 | $0 | $118 | 2.20% |
| ASHLEY MARIA HOUTMAN3 | 5447 BREEZY RD MOUND, MN 55364 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $88 | $0 | $88 | 1.64% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $2 | $55 | 1.02% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.45% |
| ELIZABETH MARIE LANGEVIN3 | 51685 BELLE ISLE DR RUSH CITY, MN 55069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.45% |
| TYLER HERRINGTON TORBETT3 Filed as: TYLER JAMES JENDRO | 1012 7TH AVE N SAUK RAPIDS, MN 56379 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.26% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.04% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCAER INSURANCE COMPANY | 257 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 369 | $112K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $69K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $42K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $53K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.