| 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 | $135K | $2K | $137K | 0.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - JACK DUFFY | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $118K | $1K | $120K | 0.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - RYAN REGER | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $60K | $753 | $61K | 0.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - BRIDGET A GILMAN | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $57K | $923 | $58K | 0.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - AMANDA R PURNICK | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $46K | $581 | $47K | 0.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - SHELLY MARIE STARK | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $45K | $541 | $46K | 0.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - CALEB T GOLBERG | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $39K | $449 | $40K | 0.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - ELIZABETH A FLYNN | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $29K | $374 | $30K | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - BRIDGET FABER | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $17K | $112 | $17K | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - MARLA BAILEY | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $8K | $104 | $8K | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - CASSANDRA SMITH | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $6K | $311 | $6K | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER- LAURA M KOSMICKI | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $2K | $0 | $2K | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER - MADALYN M GOODIN | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $55 | $144 | $199 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUISNESSOLVER NONE | Consulting (general); Direct payment from the plan Service code 16 | 1025 ASHWORTH RD WEST DES MOINES, IA 50265 | $170K |
| MINNESOTA COUNCIL OF NONPROFITS EIN 36-3501477 PLAN SPONSOR | Direct payment from the plan; Consulting (general) Service code 16 | — | $41K |
| CLIFTONLARSONALLEN EIN 41-0746749 NONE | Accounting (including auditing); Trustee (individual) Service code 10 | — | $25K |
| ADAMS AND REESE LLP NONE | Legal; Direct payment from the plan Service code 29 | 1901 6TH AVENUE NORTH, SUITE 3000 BIRMINGHAM, AL 35203 | $10K |
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 | 1,357 | 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) | 1,357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 1,357 | $14.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,357 | — |
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."
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.