| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | MEDICA INSURANCE COMPANY | $31K | $2K | $33K | 3.21% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | SUN LIFE INSURANCE COMPANY OF CANADA | $17K | $768 | $18K | 12.78% |
| JOHN TUSETH0 | 5821 LOWRY DRIVE NW ROCHESTER, MN 55901 | AFLAC | $3K | $173 | $3K | 7.09% |
| MICHAEL D SCHULTZ0 Filed as: MICHAEL D. SCHULTZ AND OTHER AGENTS | 1126 25TH AVENUE NW FARIBAULT, MN 55021 | AFLAC | $929 | $13 | $942 | 2.16% |
| BRAD R. JOHNSON0 | 1815 14TH STREET NW, SUITE C ROCHESTER, MN 55901 | AFLAC | $203 | $35 | $238 | 0.55% |
| MICHAEL ROBERT YURCZYK0 | 9616 WYOMING TERRACE SOUTH BLOOMINGTON, MN 55438 | AFLAC | $177 | $35 | $212 | 0.49% |
| TRACI L NATOLI0 Filed as: TRACI L. NATOLI | 1145 CHENOA LANE SW ORONOCO, MN 55960 | AFLAC | $198 | $0 | $198 | 0.45% |
| PATRICK A NATOLI0 Filed as: PATRICK A. NATOLI | 1145 CHENOA LANE SW ORONOCO, MN 55960 | AFLAC | $171 | $0 | $171 | 0.39% |
| DONALD LARRY REYNOLDS0 | 8945 33RD STREET NORTH, SUITE B LAKE ELMO, MN 55042 | AFLAC | $141 | $0 | $141 | 0.32% |
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 | 264 | 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) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 144 | $1.0M |
| Dental(2 contracts, 2 carriers) | SUN LIFE INSURANCE COMPANY OF CANADA | 264 | $184K |
| Vision | AFLAC | 69 | $44K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE INSURANCE COMPANY OF CANADA | 264 | $184K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE INSURANCE COMPANY OF CANADA | 264 | $184K |
| Long-term disability | SUN LIFE INSURANCE COMPANY OF CANADA | 264 | $140K |
| Prescription drug | MEDICA INSURANCE COMPANY | 144 | $1.0M |
| Other(2 contracts, 2 carriers) | SUN LIFE INSURANCE COMPANY OF CANADA | 264 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.