| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE GOLDEN VALLEY, MN 55416 | HEALTHPARTNERS INSURANCE COMPANY | $28K | $7K | $35K | 2.87% |
| LAMPHERE INS GROUP3 | 606 25TH AVE S STE 204 ST. CLOUD, MN 56301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 14.85% |
| LAMPHERE INS GROUP3 | 606 25TH AVE S STE 204 ST. CLOUD, MN 56301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 8.25% |
| LAMPHERE INS GROUP3 | 606 25TH AVE S STE 204 ST. CLOUD, MN 56301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.11% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON RD ROYALTON, MN 56373 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $262 | $14 | $276 | 4.11% |
| ASHLEY MARIA HOUTMAN3 | 5447 BREEZY RD MOUND, MN 55364 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $230 | $27 | $257 | 3.82% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $119 | $127 | $246 | 3.66% |
| BLUE CHIP FINANCIAL INC3 | 49 2ND AVE N STE 101 WAITE PARK, MN 56387 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $182 | $0 | $182 | 2.71% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.39% |
| ELIZABETH MARIE LANGEVIN3 | 51685 BELLE ISLE DR RUSH CITY, MN 55069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.39% |
| TYLER HERRINGTON TORBETT3 Filed as: TYLER JAMES JENDRO | 1012 7TH AVE N SAUK RAPIDS, MN 56379 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.31% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.06% |
| LEADER AGENCY LLC3 | 810 HENRY AVE ALEXANDRIA, MN 56308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.03% |
| KARRIE CROPPER3 | 810 HENRY AVE ALEXANDRIA, MN 56308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| TIMOTHY STERLING3 | 1314 PLUMWOOD CT WAITE PARK, MN 56387 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 401 | $1.2M |
| Dental | HEALTHPARTNERS INSURANCE COMPANY | 401 | $1.2M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $72K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 115 | $55K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.