| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - SHAWN E SHIBLEY | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $64K | $3K | $67K | 1.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - BRIDGET A GILMAN | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $61K | $5K | $66K | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - ELIZABETH A FLYNN | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $49K | $1K | $50K | 0.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - MICHAELA D OBRIEN | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $34K | $1K | $35K | 0.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - JACK DUFFY | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $29K | $2K | $31K | 0.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - AMANDA R PURNICK | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $26K | $1K | $28K | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - SHELLY MARIE STARK | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $19K | $1K | $20K | 0.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - JOAN E KOHL | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $6K | $308 | $7K | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - MICHAEL S LYNNER | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $2K | $616 | $3K | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MINNESOTA COUNCIL OF NONPROFITS EIN 36-3501477 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $24K |
| ADAMS AND REESE LLP NONE | Legal; Direct payment from the plan Service code 29 | 1901 6TH AVENUE NORTH, SUITE 3000 BIRMINGHAM, AA 35203 | $9K |
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 | 588 | 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) | 588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 588 | $5.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 588 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.