| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICA SELF-INSURED3 | — | MEDICA INSURANCE COMPANY | — | $243K | $243K | 57.44% |
| MEDICA SELF-INSURED3 | — | MEDICA INSURANCE COMPANY | — | $152K | $152K | 35.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 8331 NORMAN CENTER DR STE 500 MINNEAPOLIS, MN 55437 | MEDICA INSURANCE COMPANY | — | $28K | $28K | 6.51% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES | 8331 NORMAN CENTER DR STE 500 MINNEAPOLIS, MN 55437 | MEDICA INSURANCE COMPANY | — | $3K | $3K | 0.81% |
| INGENIX HEALTHCARE3 | — | MEDICA INSURANCE COMPANY | — | $2K | $2K | 0.51% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES NATIONAL | — | EYEMED VISION CARE | — | $4K | $4K | 7.48% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: WELLS FARGO INSURANCE | — | EYEMED VISION CARE | — | $1K | $1K | 2.47% |
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 | 642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 1,247 | $423K |
| Dental | DELTA DENTAL | 1,251 | $327K |
| Vision | EYEMED VISION CARE | 976 | $58K |
| Prescription drug | MEDICA INSURANCE COMPANY | 1,247 | $423K |
| Stop-loss / reinsurancereinsurance | MEDICA INSURANCE COMPANY | 1,247 | $423K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,251 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.