| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE BLOOMINGTON, MN 55437 | MEDICA INSURANCE COMPANY | $23K | $4K | $26K | 1.97% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE, SUITE 400 BLOOMINGTON, MN 55437 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $652 | $10K | 14.72% |
| DEBORAH A KRUMP3 Filed as: DEBORAH A. KRUMP | 1407 33RD STREET SOUTH, SUITE 1098 SAINT CLOUD, MN 56301 | AFLAC | $2K | $36 | $2K | 4.22% |
| RONALD DIETL3 Filed as: RONALD S. DIETL | 14087 BANK STREET, SUITE 6 BECKER, MN 55308 | AFLAC | $979 | $0 | $979 | 1.80% |
| TODD H BURRER3 Filed as: TODD H. BURRER AND OTHER AGENTS | 440 REGENCY PARKWAY DRIVE SUITE 234 OMAHA, NE 68114 | AFLAC | $734 | $8 | $742 | 1.36% |
| SCOTT ALAN BRAATEN3 | 8478 119TH AVENUE CLEAR LAKE, MN 55319 | AFLAC | $194 | $8 | $202 | 0.37% |
| TERRY E ANDERSON3 Filed as: TERRY E. ANDERSON | 700 CEDAR STREET, SUITE 185 ALEXANDRIA, MN 56308 | AFLAC | $196 | $0 | $196 | 0.36% |
| MICHELE K WILLEY3 Filed as: MICHELE K. WILLEY | 122 EAST MAIN STREET, SUITE 185 LAKELAND, FL 33801 | AFLAC | $164 | $0 | $164 | 0.30% |
| CAROL J HANSEN3 Filed as: CAROL J. HANSEN | 30537 PATRIOT AVENUE PEQUOT LAKES, MN 56472 | AFLAC | $159 | $0 | $159 | 0.29% |
| 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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 223 | $1.3M |
| Vision | VISION SERVICE PLAN | 101 | $14K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $71K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $71K |
| Prescription drug | MEDICA INSURANCE COMPANY | 223 | $1.3M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.