| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WITS FINANCIAL, LLC.3 Filed as: WITS FINANCIAL, LLC | 1153 16TH AVENUE SE MINNEAPOLIS, MN 55414 | MEDICA INSURANCE COMPANY | $27K | $3K | $31K | 2.82% |
| WITS FINANCIAL, LLC.3 Filed as: WITS FINANCIAL, LLC | 1153 16TH AVENUE SE MINNEAPOLIS, MN 55414 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.98% |
| HEATHER ANN PFLAUM3 | 4877 CLEARWATER CIRCLE SAVAGE, MN 55378 | AFLAC | $102 | $5 | $107 | 2.15% |
| TONYA LYNNE WYNES3 Filed as: TONYA LYNNE WYNES AND OTHER AGENTS | 6017 SCENIC LAKE DRIVE GEORGETOWN, TX 78626 | AFLAC | $55 | $0 | $55 | 1.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | AFLAC | $54 | $0 | $54 | 1.08% |
| KELLY L ANDERSON3 Filed as: KELLY L. ANDERSON | 6285 178TH STREET WEST LAKEVILLE, MN 55044 | AFLAC | $46 | $0 | $46 | 0.92% |
| SHELLY LUCKEN3 | 8233 WEST 133RD PLACE SAVAGE, MN 55378 | AFLAC | $24 | $0 | $24 | 0.48% |
| BRIAN KUYATT3 | 17590 ITALY PATH LAKEVILLE, MN 55044 | AFLAC | $23 | $0 | $23 | 0.46% |
| TONYA L WYNES LLC3 Filed as: TONYA L. WYNES, LLC | 10809 DEFENDER TRAIL AUSTIN, TX 78754 | AFLAC | $18 | $5 | $23 | 0.46% |
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 | 87 | 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) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 137 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 157 | $25K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 157 | $25K |
| Short-term disability | AFLAC | 6 | $5K |
| Prescription drug | MEDICA INSURANCE COMPANY | 137 | $1.1M |
| Other(3 contracts, 3 carriers) | MEDICA INSURANCE COMPANY | 157 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
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.