| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC | 12600 WHITEWATER DRIVE, SUITE 100 HOPKINS, MN 55343 | MEDICA INSURANCE COMPANY | $18K | $305 | $19K | 1.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | 8000 NORMAN CENTER DRIVE BLOOMINGTON, MN 55437 | MEDICA INSURANCE COMPANY | $15K | $305 | $16K | 1.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $57 | $15K | 13.57% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.73% |
| JOHN TUSETH3 Filed as: JOHN M. TUSETH | 5821 LOWRY DRIVE NW ROCHESTER, MN 55901 | AFLAC | $2K | $40 | $2K | 9.20% |
| MJ INSURANCE3 Filed as: BARRY CAMPBELL AND VARIOUS AGENTS | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $409 | $0 | $409 | 1.79% |
| JOSEPH GAUTHIER3 Filed as: JOSEPH G. GAUTHIER | 1815 14TH STREET NW ROCHESTER, MN 55901 | AFLAC | $232 | $9 | $241 | 1.06% |
| TONYA L WYNES LLC3 Filed as: TONYA L. WYNES, LLC | 8400 NORMANDALE LAKE BOULEVARD SUITE 920 BLOOMINGTON, MN 55437 | AFLAC | $152 | $9 | $161 | 0.71% |
| PATRICK A NATOLI3 Filed as: PATRICK A. NATOLI | 1145 CHENOA LANE SW ORONOCO, MN 55960 | AFLAC | $93 | $0 | $93 | 0.41% |
| DONALD LARRY REYNOLDS3 | 8945 33RD STREET NORTH, SUITE B LAKE ELMO, MN 55042 | AFLAC | $85 | $0 | $85 | 0.37% |
| TRACI L NATOLI3 Filed as: TRACI L. NATOLI | 1145 CHENOA LANE SW ORONOCO, MN 55960 | AFLAC | $84 | $0 | $84 | 0.37% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $57 | $3K | 20.90% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $375 | $375 | 3.06% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 111 | $1.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $132K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $132K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $132K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $132K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $109K |
| Prescription drug | MEDICA INSURANCE COMPANY | 111 | $1.1M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.