| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $30K | — | $30K | 2.98% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY #1950 ATLANTA, GA 30339 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $9K | — | $9K | 0.92% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE MINNEAPOLIS, MN 55437 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 11.96% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PARKWAY STE 300 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 3.88% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DR. BLOOMINGTON, MN 55437 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 8.97% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST. CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 3.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 300 GALLERIA PARKWAY SE STE 1100 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.49% |
| JOHN TUSETH3 Filed as: JOHN M. TUSETH | 5821 LOWRY DRIVE NW ROCHESTER, MN 55901 | AFLAC | $2K | $63 | $2K | 8.28% |
| JOSEPH GAUTHIER3 Filed as: JOSEPH G. GAUTHIER | 1815 14TH STREET NW ROCHESTER, MN 55901 | AFLAC | $284 | — | $284 | 1.20% |
| LUCAS BAUMGARTNER3 Filed as: LUCAS BAUMGARTNER AND OTHER AGENTS | 667 158TH AVENUE NW ANDOVER, MN 55304 | AFLAC | $132 | $8 | $140 | 0.59% |
| PATRICK A NATOLI3 Filed as: PATRICK A. NATOLI | 1145 CHENOA LANE SW ORANOCO, MN 55960 | AFLAC | $95 | — | $95 | 0.40% |
| DONALD LARRY REYNOLDS3 | 8945 33RD STREET NORTH, SUITE B LAKE ELMO, MN 55042 | AFLAC | $76 | — | $76 | 0.32% |
| TRACI L NATOLI3 Filed as: TRACI L. NATOLI | 1145 CHENOA LAND SW ORONOCO, MN 55960 | AFLAC | $73 | — | $73 | 0.31% |
| TONYA LYNNE WYNES3 | 6017 SCENIC LAKE DR. GEORGETOWN, TX 78626 | AFLAC | $52 | — | $52 | 0.22% |
| MELISSA A MURRAY3 Filed as: MELISSA A. MURRAY | 370 LONGFORD ST. AIKEN, SC 29803 | AFLAC | $40 | — | $40 | 0.17% |
| BARRY CAMPBELL3 Filed as: BARRY L. CAMPBELL | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $38 | — | $38 | 0.16% |
| MEGAN M. MRAZ3 | 105 NORTH STREET LEWISTON, MN 55952 | AFLAC | $28 | $8 | $36 | 0.15% |
| CHRISTOPHER J KUZNIEWSKI3 Filed as: CHRISTOPHER J. KUZNIEWSKI | 3909 3RD ST. NW ROCHESTER, MN 55901 | AFLAC | $27 | — | $27 | 0.11% |
| MICHELLE RAE MAGUIRE3 | 7825 WASHINGTON AVE S. SUITE 425 MINNEAPOLIS, MN 55439 | AFLAC | $26 | — | $26 | 0.11% |
| BRAD R. JOHNSON3 | 1815 14TH ST. NW STE C ROCHESTER, MN 55901 | AFLAC | $25 | — | $25 | 0.11% |
| THERESA WILLIAMS JONES3 | 125 CLIFFVIEW DR. QUITMAN, AR 72131 | AFLAC | $23 | — | $23 | 0.10% |
| MICHAEL K PORTER3 Filed as: MICHAEL K. PORTER | 4000 HOLLYWOOD BLVD. STE 555S HOLLYWOOD, FL 33021 | AFLAC | $22 | — | $22 | 0.09% |
| JEREMY L TOMLINSON3 Filed as: JEREMY L. TOMLINSON | 6305 W. RUSSETT ST. BOISE, ID 83704 | AFLAC | $17 | — | $17 | 0.07% |
| BRICE L CAMPBELL3 Filed as: BRICE CAMPBELL | 360 LIBERTY HEIGHTS DR. CHASKA, MN 55318 | AFLAC | $15 | — | $15 | 0.06% |
| DARVIN D. PAVLISH3 | 8312 152ND PL. SAVAGE, MN 55378 | AFLAC | $15 | — | $15 | 0.06% |
| MICHAEL ROBERT YURCZYK3 | 9616 WYOMING TER S. BLOOMINGTON, MN 55438 | AFLAC | $14 | — | $14 | 0.06% |
| MICHAEL D SCHULTZ3 Filed as: MICHAEL D. SCHULTZ | 1126 25TH AVE NW FARIBAULT, MN 55021 | AFLAC | $11 | — | $11 | 0.05% |
| JOHN PAUL THOMPSON SR3 Filed as: JOHN PAUL THOMPSON SR. | 6395 S. KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $9 | — | $9 | 0.04% |
| CATHY J OLIVER3 Filed as: CATHY J. OLIVER | 14795 BOISE CIR. ROSEMOUNT, MN 55068 | AFLAC | $6 | — | $6 | 0.03% |
| CORY L CAMPBELL3 Filed as: CORY CAMPBELL | 13139 FERRIS CT. APPLE VALLEY, MN 55124 | AFLAC | $5 | — | $5 | 0.02% |
| JOELLE M BUELL3 Filed as: JOELLE M. BUELL | 820 5TH AVE SE WASECA, MN 56093 | AFLAC | $5 | — | $5 | 0.02% |
| KNUTE NELSON3 | 920 AUTUMN SAGE WAY PFLUGERVILLE, TX 78660 | AFLAC | $5 | — | $5 | 0.02% |
| BRIAN KUYATT3 | 17590 ITALY PATH LAKEVILLE, MN 55044 | AFLAC | $3 | — | $3 | 0.01% |
| GREGORY F STENZEL3 Filed as: GREGORY F. STENZEL | 14052 BADLANDS DR. FRISCO, TX 75035 | AFLAC | $1 | — | $1 | 0.00% |
| MATTHEW R LORENZ3 Filed as: MATTHEW R. LORENZ | 1021 PROSPECT POINTE RD. JORDAN, MN 55352 | AFLAC | $1 | — | $1 | 0.00% |
| DANIEL JOHN HAGBERG3 | 554 141ST LN NE HAM LAKE, MN 55304 | AFLAC | $1 | — | $1 | 0.00% |
| PATRICIA M JESPERSON3 Filed as: PATRICIA M. JESPERSON | 2311 UPTON AVE N. MINNEAPOLIS, MN 55411 | AFLAC | $0 | — | $0 | 0.00% |
| JENNIFER SMITH3 Filed as: JENNIFER L. SMITH | 4640 S. STEWART AVE SPRINGFIELD, MO 65804 | AFLAC | $0 | — | $0 | 0.00% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 84 | $1.0M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 155 | $88K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 155 | $88K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $112K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $112K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $88K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 84 | $1.0M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.