| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOLUTIONS PLUS LLC3 Filed as: BENEFIT SOLUTIONS PLUS INC | ALLAN P GLAD 2150 3RD AVE ANOKA, MN 55303 | MEDICA INSURANCE COMPANY | $7K | $2K | $8K | 0.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN) INC. | 9655 SCHMIDT LAKE RD PLYMOUTH, MN 55442 | MEDICA INSURANCE COMPANY | $7K | — | $7K | 0.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN) INC | 9655 SCHMIDT LAKE RD PLYMOUTH, MN 55442 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.88% |
| BENEFITS SOLUTIONS PLUS INC3 | 9655 SCHMIDT LAKE RD PLYMOUTH, MN 554424529 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.69% |
| ALLAN GLAD3 Filed as: ALLAN P GLAD | 9655 SCHMIDT LAKE RD PLYMOUTH, MN 554424529 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.91% |
| NFT CORPORATE SERVICES (MN) INC3 | 9655 SCHIMIDT LAKE RD PLYMOUTH, MN 55442 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.32% |
| BENEFITS SOLUTIONS PLUS INC3 | 9655 SCHMITDT LAKE RD PLYMOUTH, MN 55442 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICA SELF INSURED EIN 41-1479417 CLAIM PROCESSING | Claims processing Service code 12 | PO BOX 9310 MINNEAPOLIS, MN 55440 | $13K |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 647 | $2.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 541 | $190K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 541 | $342K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 405 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 647 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.