| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELLINGSON INSURANCE GROUP LLC3 Filed as: ELLINGSON INSURANCE GROUPS LLC | 1016 CIVIC CENTER DR NW #102 ROCHESTER, MN 55901 | MEDICA INSURANCE COMPANY | $32K | — | $32K | 3.00% |
| DONALD LARRY REYNOLDS3 | 8945 33RD ST N #B LAKE ELMO, MN 55042 | MEDICA INSURANCE COMPANY | $213 | — | $213 | 0.02% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | MEDICA INSURANCE COMPANY | $204 | — | $204 | 0.02% |
| LORI OLSON3 | 17544 366TH STREET BAGLEY, MN 56621 | MEDICA INSURANCE COMPANY | $190 | — | $190 | 0.02% |
| BRICE L CAMPBELL3 | 360 LIBERTY HEIGHTS DR CHASKA, MN 55318 | MEDICA INSURANCE COMPANY | $170 | — | $170 | 0.02% |
| MICHELLE RAE MAGUIRE3 | 7825 WASHINGTON AVE S SUITE 425 MINNEAPOLIS, MN 55439 | MEDICA INSURANCE COMPANY | $133 | — | $133 | 0.01% |
| JOHN TUSETH3 | 5821 LOWRY DRIVE NW ROCHESTER, MN 55901 | AFLAC | $9K | $233 | $9K | 8.79% |
| MICHAEL ROBERT YURCZYK3 | 5810 W 78TH ST STE 210 MINNEAPOLIS, MN 55439 | AFLAC | $645 | $39 | $684 | 0.65% |
| MICHAEL D SCHULTZ3 | 1126 25TH AVE NW FARIBAULT, MN 55021 | AFLAC | $458 | $39 | $497 | 0.47% |
| TRACI L NATOLI3 | 1145 CHENOA LN SW ORONOCO, MN 55960 | AFLAC | $493 | — | $493 | 0.47% |
| MICHAEL D SCHULTZ3 | 1815 14TH ST NW ROCHESTER, MN 55901 | AFLAC | $476 | $8 | $484 | 0.46% |
| PATRICK A NATOLI3 | 1145 CHENOA LN SW ROCHESTER, MN 55901 | AFLAC | $385 | — | $385 | 0.37% |
| BRAD R. JOHNSON3 Filed as: BRAD R JOHNSON | 1815 14TH ST NW STE C ROCHESTER, MN 55901 | AFLAC | $218 | — | $218 | 0.21% |
| JEFFREY M HANSEN3 | 1895 52ND ST WW PEQUOT LAKES, MN 56472 | AFLAC | $6 | — | $6 | 0.01% |
| CYNTHIA A STRICKLAND3 | 1063 DAY LAKE DRIVE MIDLAND, GA 31820 | AFLAC | $5 | — | $5 | 0.00% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 319 N MAIN AVE STE 130 SPRINGFIELD, MO 65806 | AFLAC | $4 | — | $4 | 0.00% |
| DANIEL JOHN HAGBERG3 | 554 141ST LANE NE HAM LAKE, MN 55304 | AFLAC | $4 | — | $4 | 0.00% |
| DOUGLAS J SCHWINGLER3 | 3158 ROSEMARY LANE NE ROCHESTER, MN 55906 | AFLAC | $3 | — | $3 | 0.00% |
| ELLINGSON INSURANCE GROUP LLC3 | 1016 CIVIC DR NW SUITE 102 ROCHESTER, MN 55901 | USABLE LIFE | $4K | — | $4K | 15.00% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | USABLE LIFE | $1K | — | $1K | 4.16% |
| JEREMY L TOMLINSON3 Filed as: JEREMY L TOMLINGSON | 7825 WASHINGTON AVE S STE 425 MINNEAPOLIS, MN 55439 | USABLE LIFE | $45 | — | $45 | 0.18% |
| DOUGLAS J SCHWINGLER3 | 3158 ROSEMARY LN NE ROCHESTER, MN 55906 | USABLE LIFE | $29 | — | $29 | 0.11% |
| MICHAEL D SCHULTZ3 Filed as: MICHAEL J AXTELL | 3562 6TH PL NW ROCHESTER, MN 55901 | USABLE LIFE | $25 | — | $25 | 0.10% |
| TERRY E ANDERSON3 | 700 CEDAR ST STE 185 ALEXANDRIA, MN 56308 | USABLE LIFE | $21 | — | $21 | 0.08% |
| CORY L CAMPBELL3 | 13139 FERRIS CT APPLE VALLEY, MN 55124 | USABLE LIFE | $20 | — | $20 | 0.08% |
| ELLINGSON INSURANCE GROUP LLC3 Filed as: ELLINGSON INSURANCE GROUPS LLC | 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 | USABLE LIFE | $955 | — | $955 | 14.99% |
| BENUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | USABLE LIFE | $265 | — | $265 | 4.16% |
| DARIN D PAVLISH3 Filed as: DARIN PAVLISH | 7760 FRANCE AVE S 1162 EDINA, MN 55435 | USABLE LIFE | $103 | — | $103 | 1.62% |
| CHRISTOPHER J KUZNIEWSKI3 | 936 15TH AVE NE ROCHESTER, MN 55906 | USABLE LIFE | $81 | — | $81 | 1.27% |
| CATHY J OLIVER3 | 14795 BOISE CIR ROSEMOUNT, MN 55068 | USABLE LIFE | $63 | — | $63 | 0.99% |
| JOHN PAUL THOMPSON SR3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | USABLE LIFE | $60 | — | $60 | 0.94% |
| STACI ANN CHASE3 | 709 15TH ST SE ROCHESTER, MN 55904 | USABLE LIFE | $53 | — | $53 | 0.83% |
| JOELLE M BUELL3 | 13904 JAMES AVE SOUTH BURNSVILLE, MN 55337 | AFLAC | $15 | — | $15 | — |
| GREGORY F STENZEL3 | 2302 KNOX WAY MELISSA, TX 75454 | AFLAC | $13 | — | $13 | — |
| MATTHEW R LORENZ3 | 1021 PROSPECT POINTE RD JORDAN, MN 55352 | AFLAC | $13 | — | $13 | — |
| BRIAN KUYATT3 | 17590 ITALY PATH LAKEVILLE, MN 55044 | AFLAC | $13 | — | $13 | — |
| PATRICIA M JESPERSON3 | 3601 PARK CENTER BLVD APT 108 MINNEAPOLIS, MN 55416 | AFLAC | $9 | — | $9 | — |
| CATHY J OLIVER3 | 201 WEST BURNSVILLE PKWY SUITE 116 BURNSVILLE, MN 55337 | AFLAC | $8 | — | $8 | — |
| KNUTE NELSON3 | 5650 W 36TH ST 506 ST STE 425 MINNEAPOLIS, MN 55416 | AFLAC | $7 | — | $7 | — |
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 | 186 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 184 | $1.2M |
| Dental(2 contracts) | AFLAC | 184 | $105K |
| Vision(2 contracts) | AFLAC | 184 | $105K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 184 | $111K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 184 | $130K |
| Prescription drug | MEDICA INSURANCE COMPANY | 140 | $1.1M |
| Other(3 contracts, 2 carriers) | AFLAC | 184 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.