| 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 | $106K | $5K | $111K | 1.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - BRIDGET A GILMAN | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $69K | $4K | $72K | 0.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - CASSANDRA SMITH | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $68K | $0 | $68K | 0.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - AMANDA R PURNICK | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $42K | $2K | $44K | 0.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - SHELLY MARIE STARK | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $35K | $2K | $37K | 0.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - MICHAELA D OBRIEN | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $32K | $3K | $35K | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - ELIZABETH A FLYNN | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $27K | $2K | $29K | 0.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - JACK DUFFY | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $22K | $3K | $25K | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - TATIANA K KINDY | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $12K | $0 | $12K | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - MADALYN M GOODIN | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $7K | $0 | $7K | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - RYAN REGER | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $2K | $886 | $3K | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - KIM F GROOMES | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | -$68 | $0 | -$68 | -0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MINNESOTA COUNCIL OF NONPROFITS EIN 36-3501477 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $38K |
| CAPSTONE BENEFITS GROUP, INC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 6110 TECHNOLOGY CENTER DR 500 INDIANAPOLIS, IN 46278 | $20K |
| ADAMS AND REESE LLP NONE | Legal; Direct payment from the plan Service code 29 | 1901 6TH AVENUE NORTH, SUITE 3000 BIRMINGHAM, AA 35203 | $14K |
| CLIFTONLARSONALLEN EIN 41-0746749 NONE | Trustee (individual); Accounting (including auditing) Service code 10 | — | $8K |
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 | 759 | 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) | 759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 759 | $8.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 759 | — |
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.