| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WITS FINANCIAL, LLC.3 | 1153 16TH AVENUE SE MINNEAPOLIS, MN 55414 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | $0 | $29K | 2.53% |
| HEATHER ANN PFLAUM3 | 4877 CLEARWATER CIRCLE SAVAGE, MN 55378 | AFLAC | $436 | $0 | $436 | 6.72% |
| WITS FINANCIAL, LLC.3 | 1153 16TH AVENUE SE SUITE 204 MINNEAPOLIS, MN 55414 | AFLAC | $302 | $0 | $302 | 4.65% |
| CATHLEEN MARY MCCARTY AND OTHERS3 | 3223 89TH LANE NE BLAINE, MN 55449 | AFLAC | $228 | $0 | $228 | 3.51% |
| MADELYN M. STEPHENS3 | 1119 NORTH SHORE DRIVE FOREST LAKE, MN 55025 | AFLAC | $152 | $0 | $152 | 2.34% |
| WENDY RENARD3 | 24133 FAWN COURT NE STACY, MN 55079 | AFLAC | $86 | $0 | $86 | 1.33% |
| DYLAN RYAN FAIRBANKS3 | 38270 EVERETT AVENUE NORTH BRANCH, MN 55056 | AFLAC | $68 | $0 | $68 | 1.05% |
| LUCAS BAUMGARTNER3 | 667 158TH AVENUE NW ANDOVER, MN 55304 | AFLAC | $47 | $0 | $47 | 0.72% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $1.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $1.1M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $1.1M |
| Short-term disability | AFLAC | 19 | $6K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
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.