| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | LISA M THOMPSON 8000 NORMAN CENTER DR BLOOMINGTON, MN 55437 | MEDICA INSURANCE COMPANY | $12K | — | $12K | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | RYAN REGER PO BOX 95287 CHICAGO, IL 60694 | MEDICA INSURANCE COMPANY | $8K | $3K | $11K | 1.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | RYAN REGER PO BOX 95287 CHICAGO, IL 60694 | SANFORD HEALTH PLAN | $5K | — | $5K | 1.72% |
| USI INSURANCE SERVICES LLC3 | LISA M THOMPSON 8000 NORMA CENTER DR BLOOMINTON, MN 55437 | SANFORD HEALTH PLAN | $2K | — | $2K | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 6.86% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $961 | — | $961 | 4.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13333 CALIFORNIA ST STE 206 OMAHA, NE 681545237 | PRINCIPAL LIFE INSURANCE COMPANY | $645 | $444 | $1K | 7.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICESLLC | 8000 NORMAN CENTER DR STE 400 BLOOMINGTON, MN 554371184 | PRINCIPAL LIFE INSURANCE COMPANY | $623 | — | $623 | 4.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD FL 11 ROLLING MEADOWS, IL 600084050 | PRINCIPAL LIFE INSURANCE COMPANY | — | $81 | $81 | 0.53% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $142 | — | $142 | 5.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD CBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $81 | — | $81 | 3.08% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $130 | — | $130 | 6.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $127 | — | $127 | 6.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22 | — | $22 | 5.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15 | — | $15 | 3.72% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 54 | $871K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 25 | $15K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $28K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $21K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.