| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | 400 HIGHWAY 169 SOUTH, SUITE 800 SAINT LOUIS PARK, MN 55426 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 6.88% |
| FOSTER KLIMA AND COMPANY, LLC3 Filed as: FOSTER KLIMA AND CO LLC | 920 2ND AVENUE SOUTH MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34 | — | $34 | 0.04% |
| WELLS FARGO INSURANCE SERVICES3 | 4300 MARKET POINTE DRIVE, SUITE 600 BLOOMINGTON, MN 55435 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.26% |
| WELLS FARGO INSURANCE SERVICES3 | 400 HIGHWAY 169 SOUTH, SUITE 800 SAINT LOUIS PARK, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $710 | $855 | $2K | 3.20% |
| WELLS FARGO INSURANCE SERVICES3 | 400 HIGHWAY 169 SOUTH, SUITE 800 SAINT LOUIS PARK, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $714 | $3 | $717 | 4.45% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $455 | $11 | $466 | 2.89% |
| ELIZABETH MARIE LANGEVIN3 | 698 WEST LARPENTEUR AVENUE SAINT PAUL, MN 55347 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $178 | $2 | $180 | 1.12% |
| ANDREW JAMIN GRIMSLEY3 Filed as: ANDREW JAMIN GRIMSELY | 111 RAMBLING CREEK DRIVE SE SAINT MICHAEL, MN 55376 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 0.76% |
| MJ INSURANCE3 Filed as: MEGAN M. LUCAS AND VARIOUS AGENTS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 0.76% |
| JILL R LAMBERT3 Filed as: JILL R. LAMBERT | 12741 JEFFERSON STREET NE BLAINE, MN 55434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $119 | $1 | $120 | 0.74% |
| EDWARD D SOMMER3 Filed as: EDWARD CHRIS ROSENLUND | 8672 MEADOWVALE DRIVE EDEN PRAIRIE, MN 55347 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 0.73% |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $91K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 226 | $49K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 226 | $49K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 226 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.