| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DR BLOOMINGTON, MN 55437 | MEDICA INSURANCE COMPANY | $22K | $4K | $26K | 2.35% |
| DEBORAH A KRUMP3 | 1407 33RD ST S STE 1098 SAINT CLOUD, MN 56301 | AFLAC | $7K | $36 | $7K | 5.63% |
| RONALD DIETL3 Filed as: RONALD S DIETL | 14087 BANK ST STE 6 BECKER, MN 55308 | AFLAC | $2K | — | $2K | 1.81% |
| SCOTT ALAN BRAATEN3 | 8478 119TH AVE CLEAR LAKE, MN 55319 | AFLAC | $735 | $8 | $743 | 0.62% |
| TERRY E ANDERSON3 | 700 CEDAR ST STE 185 ALEXANDRIA, MN 56308 | AFLAC | $446 | — | $446 | 0.37% |
| THE MADRID AGENCY INC3 | 4624 141ST LN NE HAM LAKE, MN 55304 | AFLAC | $367 | $8 | $375 | 0.31% |
| CAROL J HANSEN3 | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $366 | — | $366 | 0.30% |
| MICHELE K WILLEY3 | 122 E MAIN ST 185 LAKELAND, FL 33801 | AFLAC | $356 | — | $356 | 0.30% |
| TODD H BURRER3 | 440 REGENCY PKWY DR STE 234 OMAHA, NE 68114 | AFLAC | $217 | — | $217 | 0.18% |
| JULIE A DUERR BARTELL3 | 16980 245TH AVE NW BIG LAKE, MN 55309 | AFLAC | $200 | — | $200 | 0.17% |
| MALLORY D AITCHISON3 | 2203 PIONEER CT NW EAST GRAND FORKS, MN 56721 | AFLAC | $199 | — | $199 | 0.17% |
| JEFFREY M HANSEN3 | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $182 | — | $182 | 0.15% |
| JOHN PAUL THOMPSON SR3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $79 | — | $79 | 0.07% |
| CHERISE M WADE3 | 616 HARDEMAN ST SEALY, TX 77474 | AFLAC | $72 | — | $72 | 0.06% |
| MANUEL A MADRID3 | 6282 DOUGLAS CT N CHAMPLIN, CO 55316 | AFLAC | $66 | — | $66 | 0.05% |
| MICHAEL K PORTER3 | 4000 HOLLYWOOD BLVD STE 555S HOLLYWOOD, FL 33021 | AFLAC | $64 | — | $64 | 0.05% |
| RACHEL F JASCHKE3 | 2033 PEACH DR NE SAUK RAPIDS, MN 56379 | AFLAC | $60 | — | $60 | 0.05% |
| MARIA A JARVIE3 | P O BOX 305 COKATO, MN 55321 | AFLAC | $57 | — | $57 | 0.05% |
| USI INSURANCE SERVICES LLC3 | 1 PERIMETER PARK S BIRMINGHAM, AL 35243 | AFLAC | $46 | — | $46 | 0.04% |
| JEREMY L TOMLINSON3 | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $45 | — | $45 | 0.04% |
| MICHELLE RAE MAGUIRE3 | 7825 WASHINGTON AVE S SUITE 425 MINNEAPOLIS, MN 55439 | AFLAC | $44 | — | $44 | 0.04% |
| TREVOR G NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $22 | — | $22 | 0.02% |
| DONALD LARRY REYNOLDS3 | 8945 33RD ST N #B LAKE ELMO, MN 55042 | AFLAC | $21 | — | $21 | 0.02% |
| MATTHEW R LORENZ3 | 1021 PROSPECT POINTE RD JORDAN, MN 55352 | AFLAC | $17 | — | $17 | 0.01% |
| KELSEY R KINDOPP3 | 404 E 6TH ST DELL RAPIDS, SD 57022 | AFLAC | $15 | — | $15 | 0.01% |
| DARIN D PAVLISH3 | 8312 152ND PL SAVAGE, MN 55378 | AFLAC | $15 | — | $15 | 0.01% |
| JOELLE M BUELL3 | 820 5TH AVE SE WASECA, MN 56093 | AFLAC | $15 | — | $15 | 0.01% |
| KNUTE NELSON3 | 920 AUTUMN SAGE WAY PFLUGERVILLE, TX 78660 | AFLAC | $11 | — | $11 | 0.01% |
| DANIEL JOHN HAGBERG3 | 554 141ST LN NE HAM LAKE, MN 55304 | AFLAC | $10 | — | $10 | 0.01% |
| DIANE M HANSUM3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $8 | — | $8 | 0.01% |
| JASON ANDERSON3 | 2050 E 101ST CT THORNTON, CO 80229 | AFLAC | $8 | — | $8 | 0.01% |
| TRACI J MOORE3 | 5712 COUNTY RD 141 SAINT CLOUD, MN 56301 | AFLAC | $8 | — | $8 | 0.01% |
| TRACY L HOSTLER3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $5 | — | $5 | 0.00% |
| CHARIA ANDERSON3 | 3815 STEELHEAD ST UNIT B FORT COLLINS, CO 80528 | AFLAC | $4 | — | $4 | 0.00% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62817 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $631 | $10K | 16.04% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62817 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | — | $1K | 10.11% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 57 | $1.2M |
| Vision | VISION SERVICE PLAN | 98 | $14K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $63K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $63K |
| Other | AFLAC | 57 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.