| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WESTLUND ASSOCIATES3 | RICH L WESTLUND PO BOX 668 HUTCHINSON, MN 55350 | MEDICA INSURANCE COMPANY | $27K | $1K | $28K | 1.04% |
| WESTLUND ASSOCIATES3 Filed as: WESTLUND ASSOCIATES INC | PO BOX 668 102 MAIN STREET SOUTH HUTCHINSON, MN 55350 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $792 | $8K | 13.40% |
| JACOB B SANKEN3 | PO BOX 265 HUTCHINSON, MN 55350 | AFLAC | $3K | $101 | $3K | 5.28% |
| CATHY J OLIVER3 | 14795 BOISE CIRCLE ROSEMOUNT, MN 55068 | AFLAC | $1K | $30 | $1K | 2.45% |
| NICOLE D BLAKE3 | 1226 CULVER AVENUE NORTHWEST BUFFALO, MA 55313 | AFLAC | $538 | $24 | $562 | 1.00% |
| JENNIFER LEE QUALE3 | 5143 COUNTY ROAD 4 NORTHEAST ATWATER, MN 56209 | AFLAC | $438 | — | $438 | 0.78% |
| JENNIE MARIE HORNING3 | 20704 110TH ST REVERE, MN 56166 | AFLAC | $321 | $19 | $340 | 0.61% |
| COURTNEY RYAN YURCZYK3 | 9616 WYOMING TERRACE SOUTH MINNEAPOLIS, MN 55438 | AFLAC | $208 | — | $208 | 0.37% |
| MICHAEL ROBERT YURCZYK3 | 9616 WYOMING TERRACE SOUTH BLOOMINGTON, MA 55438 | AFLAC | $124 | — | $124 | 0.22% |
| MISTY LYNNE CASTON3 | 3243 MCKINLEY STREET NORTTHEAST MINNEAPOLIS, MN 55418 | AFLAC | $99 | — | $99 | 0.18% |
| TONYA L WYNES LLC3 | 8400 NORMANDALE LAKE BOULEVARD SUITE 920 BLOOMINGTON, MN 55437 | AFLAC | $78 | $7 | $85 | 0.15% |
| GAYLE M ERNST3 Filed as: GAYLE ME ERNST | 19020 NORTH 116TH LANE SURPRISE, AZ 85378 | AFLAC | $83 | — | $83 | 0.15% |
| DEREK DEVANE3 Filed as: DEREK D MIZAUR | 2388 ANTLER RIDGE DRIVE ASBURY, IA 52002 | AFLAC | $72 | — | $72 | 0.13% |
| GROUPS PLUS INC3 | 10550 DRAKE STREET NORTHWEST COON RAPIDS, MN 55433 | AFLAC | $65 | — | $65 | 0.12% |
| JASON EARL BLAKE3 | 1226 CULVER AVENUE NORTHWEST BUFFALO, MN 55313 | AFLAC | $57 | — | $57 | 0.10% |
| JOELLE M BUELL3 | 820 5TH AVENUE SOUTHEAST WASECA, MN 56093 | AFLAC | $50 | $7 | $57 | 0.10% |
| BRANDON RHODES3 | 11445 ANDERSON LAKES PAREKWAY APARTMENT 204 EDEN PRAIRIE, MN 55344 | AFLAC | $49 | — | $49 | 0.09% |
| DARIN D PAVLISH3 | 8312 152ND PLACE SAVAGE, MN 55378 | AFLAC | $42 | — | $42 | 0.08% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA TERRELL | 812 VENETIAN ISLES DRIVE APARTMENT 1 LAKE PARK, FL 33403 | AFLAC | $33 | — | $33 | 0.06% |
| MICHAEL K PORTER3 | 5881 TOWN BAY DRIVE APARTMENT 916 BOCA RATON, FL 33486 | AFLAC | $29 | — | $29 | 0.05% |
| JOSHUA D TERRELL3 | 812 VENETIAN ISLES DRIVE APARTMENT 1 LAKE PARK, FL 33403 | AFLAC | $25 | — | $25 | 0.04% |
| WESLEY J TODD3 | 4409 BLAIR RIDGE ROAD CEDAR FALLS, IA 50613 | AFLAC | $18 | — | $18 | 0.03% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $17 | — | $17 | 0.03% |
| THE TODD GROUP3 | 4409 BLAIR RIDGE ROAD CEDAR FALLS, IA 50613 | AFLAC | $13 | — | $13 | 0.02% |
| TONYA L WYNES LLC3 | 10809 DEFENDER TRAIL AUSTIN, TX 78754 | AFLAC | $6 | — | $6 | 0.01% |
| TONYA LYNNE WYNES3 | 8400 NORMANDALE LAKE BOULEVARD SUITE 920 BLOOMINGTON, MN 55437 | AFLAC | $6 | — | $6 | 0.01% |
| CORY L CAMPBELL3 | 13139 FERRIS COURT APPLE VALLEY, MN 55124 | AFLAC | $2 | — | $2 | 0.00% |
| TONYA LYNNE WYNES3 | 10809 DEFENDER TRAIL AUSTIN, TX 78754 | AFLAC | $1 | — | $1 | 0.00% |
| JOSEPH GAUTHIER3 Filed as: JOSEPH G GAUTHIER | 1815 14TH STREET NORTHWEST ROCHESTER, MN 55901 | AFLAC | $1 | — | $1 | 0.00% |
| WESTLUND ASSOCIATES3 Filed as: WESTLUND ASSOCIATES INC | PO BOX 668 102 MAIN STREET SOUTH HUTCHINSON, MA 55350 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $729 | $6K | 16.99% |
| WESTLUND ASSOCIATES3 Filed as: WESTLUND ASSOC | PO BOX 668 HUTCHINSON, MN 55350 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $736 | $6K | 17.21% |
| WESTLUND ASSOCIATES3 Filed as: WESTLUND ASSOCIATES INC | PO BOX 668 HUTCHINSON, MN 55350 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.08% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 172 | $2.7M |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 107 | $13K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 233 | $56K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 91 | $93K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 98 | $89K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 233 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.