| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE BLOOMINGTON, MN 55437 | MEDICA INSURANCE COMPANY | $110K | $4K | $114K | 6.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $5K | $17K | 15.35% |
| KENNETH J. LONGTIN3 | 202 SOUTH MAIN STREET CROOKSTON, MN 56716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $826 | $7K | 11.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5 | $5 | 0.01% |
| MELISSA PERREAULT3 | 1507 CEDAR COURT CROOKSTON, MN 56716 | AFLAC | $1K | $77 | $1K | 3.97% |
| CASEY HOWARD CARLSON3 | 10111 HIGHWAY 4 ROCKLAKE, ND 58365 | AFLAC | $529 | $0 | $529 | 1.94% |
| MJ INSURANCE3 Filed as: NICOLE D. BLAKE AND VARIOUS AGENTS | 1226 CULVER AVENUE NW BUFFALO, MN 55313 | AFLAC | $453 | $18 | $471 | 1.73% |
| LORI OLSON3 | 5280 ANNAPOLIS LANE NORTH APARTMENT 3228 MINNEAPOLIS, MN 55446 | AFLAC | $301 | $0 | $301 | 1.10% |
| JASON EARL BLAKE3 | 2097 26TH AVENUE SOUTH, UNIT C GRAND FORKS, ND 58201 | AFLAC | $233 | $0 | $233 | 0.85% |
| SCOTT ALAN BRAATEN3 | 8478 119TH AVENUE CLEAR LAKE, MN 55319 | AFLAC | $156 | $18 | $174 | 0.64% |
| CORY A SMITH3 Filed as: CORY A. SMITH | PO BOX 75 MOORHEAD, MN 56561 | AFLAC | $161 | $0 | $161 | 0.59% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | $0 | $1K | 9.99% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 210 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 297 | $62K |
| Vision | VISION SERVICE PLAN | 85 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $113K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $113K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $113K |
| Prescription drug | MEDICA INSURANCE COMPANY | 210 | $1.8M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.