| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELLINGSON INSURANCE GROUP LLC3 | 1016 CIVIC CENTER DR NW, STE 102 ROCHESTER, MN 55901 | MEDICA INSURANCE COMPANY | $17K | — | $17K | 1.57% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DR MINNETONKA, MN 55343 | MEDICA INSURANCE COMPANY | $15K | — | $15K | 1.43% |
| WILLIAM R LARSON3 | 2621 TIMBERLANE WAY SW BEMIDJI, MN 56601 | MEDICA INSURANCE COMPANY | $105 | — | $105 | 0.01% |
| DARIN D PAVLISH3 | 7760 FRANCE AVE S, 1162 EDINA, MN 55435 | MEDICA INSURANCE COMPANY | $92 | — | $92 | 0.01% |
| LORI OLSON3 | 17544 366TH STREET BAGLEY, MN 56621 | MEDICA INSURANCE COMPANY | $66 | $17 | $83 | 0.01% |
| CHRISTOPHER J KUZNIEWSKI3 | 936 15TH AVE NE ROCHESTER, MN 55906 | MEDICA INSURANCE COMPANY | $80 | — | $80 | 0.01% |
| CATHY J OLIVER3 | 14795 BOISE CIR ROSEMOUNT, MN 55068 | MEDICA INSURANCE COMPANY | $60 | — | $60 | 0.01% |
| JOHN TUSETH3 | 5821 LOWRY DRIVE NW ROCHESTER, MN 55901 | AFLAC | $5K | $160 | $5K | 5.16% |
| JOHN TUSETH3 | 5821 LOWRY DRIVE NW ROCHESTER, MN 55901 | AFLAC | $4K | $362 | $4K | 3.91% |
| BRAD R. JOHNSON3 Filed as: BRAD R JOHNSON | 1815 14ST NW, STE C ROCHESTER, MN 55901 | AFLAC | $857 | $26 | $883 | 0.85% |
| MICHAEL D SCHULTZ3 | 1126 25TH AVE NW FARIBAULT, MN 55021 | AFLAC | $406 | $78 | $484 | 0.47% |
| MICHAEL ROBERT YURCZYK3 Filed as: MICHAEL R YURCZYK | 5810 W 78TH ST, STE 210 EDINA, MN 55439 | AFLAC | $399 | $78 | $477 | 0.46% |
| TRACI L NATOLI3 | 1145 CHENOA LN SW ORONOCO, MN 55960 | AFLAC | $434 | — | $434 | 0.42% |
| MICHAEL ROBERT YURCZYK3 Filed as: MICHAEL R YURCZYK | 9616 WYOMING TER S BLOOMINGTON, MN 55438 | AFLAC | $377 | $26 | $403 | 0.39% |
| MICHAEL K CARNEY3 | 45034 PLUMMER ST RUSHFORD, MN 55971 | AFLAC | $12 | — | $12 | 0.01% |
| MICHELE K WILLEY3 | 500 S FLORIDA AVE, STE 400-12 LAKELAND, FL 33801 | AFLAC | $12 | — | $12 | 0.01% |
| GREGORY F STENZEL3 | 1249 KIOWA DR W GAINESVILLE, TX 76240 | AFLAC | $11 | — | $11 | 0.01% |
| BRIAN KUYATT3 | 17590 ITALY PATH LAKEVILLE, MN 55044 | AFLAC | $11 | — | $11 | 0.01% |
| TERRY E ANDERSON3 | 700 CEDAR ST, STE 185 ALEXANDRIA, MN 56308 | AFLAC | $8 | $3 | $11 | 0.01% |
| ELLINGSON INSURANCE GROUP LLC3 | 1016 CIVIC CENTER DR NW, STE 102 ROCHESTER, MN 55901 | USABLE LIFE | $2K | — | $2K | 7.56% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 600 CLEARWATER DR MINNETONKA, MN 55343 | USABLE LIFE | $2K | — | $2K | 7.44% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST, STE 350 CHANHASSEN, MN 55317 | USABLE LIFE | $816 | — | $816 | 4.00% |
| MICHAEL D SCHULTZ3 Filed as: MICHAEL J AXTELL | 3562 6TH PL NW ROCHESTER, MN 55901 | USABLE LIFE | $22 | — | $22 | 0.11% |
| CORY L CAMPBELL3 | 13139 FERRIS CT APPLE VALLEY, MN 55124 | USABLE LIFE | $20 | — | $20 | 0.10% |
| JOELLE M BUELL3 | 13901 JAMES AVE S BURNSVILLE, MN 55337 | USABLE LIFE | $14 | — | $14 | 0.07% |
| MATTHEW R LORENZ3 | 102 PROSPECT POINTE RD JORDAN, MN 55352 | USABLE LIFE | $13 | — | $13 | 0.06% |
| MICHAEL PORTER & ASSOC LLC3 | 12100 SINGLETREE LN, STE 169 EDEN PRAIRIE, MN 55344 | USABLE LIFE | $12 | — | $12 | 0.06% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DR MINNETONKA, MN 55343 | USABLE LIFE | $538 | — | $538 | 7.56% |
| ELLINGSON INSURANCE GROUP LLC3 | 1016 CIVIC CENTER DR NW, STE 102 ROCHESTER, MN 55901 | USABLE LIFE | $530 | — | $530 | 7.44% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST, STE 350 CHANHASSEN, MN 55317 | USABLE LIFE | $285 | — | $285 | 4.00% |
| STACI ANN CHASE3 Filed as: STACI A CHASE | 709 15TH ST SE ROCHESTER, MN 55904 | USABLE LIFE | $53 | — | $53 | 0.74% |
| JOHN P THOMPSON3 Filed as: JOHN P THOMPSON SR | 6395 S KEWAUNEE WAY, STE 425 AURORA, CO 80016 | USABLE LIFE | $53 | — | $53 | 0.74% |
| JEREMY L TOMLINSON3 | 2805 N 36TH ST BOISE, ID 83703 | USABLE LIFE | $40 | — | $40 | 0.56% |
| GARY R HAHN3 | 329 CEDAR ST FOUNTAIN, MN 55935 | USABLE LIFE | $32 | — | $32 | 0.45% |
| DOUGLAS J SCHWINGLER3 | 3158 ROSEMARY LN NE ROCHESTER, MN 55906 | USABLE LIFE | $31 | — | $31 | 0.44% |
| PATRICK A NATOLI3 | 1145 CHENOA LN SW ORONOCO, MN 55960 | AFLAC | $340 | — | $340 | — |
| DONALD LARRY REYNOLDS3 Filed as: DONALD L RENYOLDS | 8945 33RD ST N #B LAKE ELMO, MN 55042 | AFLAC | $209 | — | $209 | — |
| PATRICIA M JESPERSON3 | 3601 PARK CENTER BLVD, APT 108 MINNEAPOLIS, MN 55416 | AFLAC | $7 | — | $7 | — |
| LORI OLSON3 | 17544 366TH ST BAGLEY, MN 56621 | AFLAC | $7 | — | $7 | — |
| KNUTE NELSON3 | 3920 KIPLING AVE MINNEAPOLIS, MN 55416 | AFLAC | $7 | — | $7 | — |
| GEORGE W HURST III3 | 7146 LAKEVIEW CT BRENTWOOD, TN 37027 | AFLAC | $6 | — | $6 | — |
| CYNTHIA A STRICKLAND3 | 1063 DAY LAKE DR MIDLAND, GA 31820 | AFLAC | $5 | — | $5 | — |
| JEFFREY M HANSEN3 | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $5 | — | $5 | — |
| DANIEL JOHN HAGBERG3 Filed as: DANIEL J HAGBERG | 554 141 ST LN NE HAM LAKE, MN 55304 | AFLAC | $3 | — | $3 | — |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 319 N MAIN AVE, STE 130 SPRINGFIELD, MO 65806 | AFLAC | $3 | — | $3 | — |
| JON C GEIMER3 | 190 GRACESON AVE S AKELEY, MN 56433 | AFLAC | $2 | — | $2 | — |
| MELISSA A MURRAY3 | 14536 FLORISSANT PATH APPLE VALLEY, MN 55124 | AFLAC | $1 | — | $1 | — |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $197 | — | $197 | — |
| BRICE L CAMPBELL3 | 360 LIBERTY HEIGHTS DR CHASKA, MN 55318 | AFLAC | $162 | — | $162 | — |
| MICHELLE RAE MAGUIRE3 Filed as: MICHELLE R MAGUIRE | 7825 WASHINGTON AVE S, STE 425 MINNEAPOLIS, MN 55439 | AFLAC | $115 | — | $115 | — |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 157 | $1.2M |
| Dental(3 contracts) | AFLAC | 157 | $103K |
| Vision(3 contracts) | AFLAC | 157 | $103K |
| Life insurance(4 contracts, 2 carriers) | AFLAC | 157 | $110K |
| Short-term disability(4 contracts, 2 carriers) | AFLAC | 157 | $124K |
| Prescription drug | MEDICA INSURANCE COMPANY | 129 | $1.1M |
| Other(4 contracts, 2 carriers) | AFLAC | 157 | $110K |
| 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."
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.