| 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 | $15K | $0 | $15K | 1.68% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE BLOOMINGTON, MN 55437 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 13.60% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 1.52% |
| JOHN TUSETH3 Filed as: JOHN M. TUSETH | 5821 LOWRY DRIVE NW ROCHESTER, MN 55901 | AFLAC | $1K | $80 | $1K | 6.65% |
| MJ INSURANCE3 Filed as: BARRY CAMPBELL AND VARIOUS AGENTS | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $371 | $8 | $379 | 1.80% |
| JOSEPH GAUTHIER3 Filed as: JOSEPH G. GAUTHIER | 1815 14TH STREET NW ROCHESTER, MN 55901 | AFLAC | $142 | $19 | $161 | 0.76% |
| PATRICK A NATOLI3 Filed as: PATRICK A. NATOLI | 1145 CHENOA LANE SW ORONOCO, MN 55960 | AFLAC | $95 | $0 | $95 | 0.45% |
| DONALD LARRY REYNOLDS3 | 8945 33RD STREET NORTH, SUITE B LAKE ELMO, MN 55042 | AFLAC | $79 | $0 | $79 | 0.37% |
| TRACI L NATOLI3 Filed as: TRACI L. NATOLI | 1145 CHENOA LANE SW ORONOCO, MN 55960 | AFLAC | $73 | $0 | $73 | 0.35% |
| TONYA L WYNES LLC3 Filed as: TONYA L. WYNES LLC | 10809 DEFENDER TRAIL AUSTIN, TX 78754 | AFLAC | $58 | $11 | $69 | 0.33% |
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 | 219 | 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) | 219 | 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 | 91 | $883K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $161K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $161K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $161K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $161K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $140K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 91 | $883K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.