| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER- JACK DUFFY | PO BOX 95287 CHICAGO, IL 60694 | MEDICA INSURANCE COMPANY | $26K | $431 | $26K | 0.72% |
| ARMBRUSTER EXECUTIVE & EMPLOYEE BEN3 Filed as: ARMBRUSTER- LORI M LANCE | 7835 3RD ST N, STE 107 OAKDALE, MN 55128 | MEDICA INSURANCE COMPANY | $17K | $661 | $18K | 0.49% |
| FLAGSHIP INS- JENNIFER D HUGHES3 Filed as: FLAGSHIP INS- JENNIFER S STRATTON | PO BOX 99 WINSTEAD, MN 55393 | MEDICA INSURANCE COMPANY | $9K | $161 | $10K | 0.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER- SHELLY M STARK | PO BOX 95287 CHICAGO, IL 60694 | MEDICA INSURANCE COMPANY | $8K | $126 | $9K | 0.23% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS- ALBERT J HOLFSTEDE | 300 GALLERIA PKWY SE, STE 1100 ATLANTA, GA 30339 | MEDICA INSURANCE COMPANY | $8K | $0 | $8K | 0.22% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK- MICHAEL C REISHUS | 2010 CENTRE POINTE BLVD SAINT PAUL, MN 55120 | MEDICA INSURANCE COMPANY | $7K | $104 | $7K | 0.18% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INS- GREGORY M AUTUORI | 700 CANAL ST, STE 1 STAMFORD, CT 06902 | MEDICA INSURANCE COMPANY | $6K | $121 | $6K | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN- DANE M HAUGEN | 901 MARQUETTE AVE, STE 1800 MINNEAPOLIS, MN 55402 | MEDICA INSURANCE COMPANY | $6K | $0 | $6K | 0.16% |
| ZIMNY INSURANCE AGENCY INC3 Filed as: ZIMNY INS- CHRISTINA M MOHR | 1103 BROADWAY ST, STE 100 ALEXANDRIA, MN 56308 | MEDICA INSURANCE COMPANY | $5K | $0 | $5K | 0.14% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP- JAMES M LATOUR | 9855 W 78TH ST EDEN PRAIRIE, MN 55344 | MEDICA INSURANCE COMPANY | $4K | $63 | $4K | 0.11% |
| SUPERIOR BENEFIT- ANTHONY CLEVELAND3 | 3500 AMERICAN BLVD W, STE 450 BLOOMINGTON, MN 55431 | MEDICA INSURANCE COMPANY | $3K | $52 | $3K | 0.08% |
| EMEX BENEFIT- CORY D WIEST3 | 4575 MASON AVE NE SAINT MICHAEL, MN 55376 | MEDICA INSURANCE COMPANY | $2K | $0 | $2K | 0.06% |
| VICTORY INS- KURT C FOSTER3 | 812 MAIN ST NW, STE 270 ELK RIVER, MN 55330 | MEDICA INSURANCE COMPANY | $2K | $35 | $2K | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER- CALEB T GOLBERG | PO BOX 95287 CHICAGO, IL 60694 | MEDICA INSURANCE COMPANY | $2K | $0 | $2K | 0.05% |
| FLAGSHIP INS- JENNIFER D HUGHES3 | PO BOX 99 WINSTEAD, MN 55393 | MEDICA INSURANCE COMPANY | $988 | $0 | $988 | 0.03% |
| LIFESPAN INS- NATALIE BUDIN3 | 5200 WILSON RD, STE 314 EDINA, MN 55424 | MEDICA INSURANCE COMPANY | $980 | $0 | $980 | 0.03% |
| FLAGSHIP INS- JENNIFER D HUGHES3 Filed as: FLAGSHIP INS- KATELYNN M LAHAYE | PO BOX 99 WINSTEAD, MN 55393 | MEDICA INSURANCE COMPANY | $228 | $17 | $245 | 0.01% |
| LECLAIR CORPORATION3 Filed as: LECLAIR CORP- RICHARD J LETT | 6701 UPPER AFTON RD SAINT PAUL, MN 55125 | MEDICA INSURANCE COMPANY | $20 | $0 | $20 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUSINESSOLVER NONE | Direct payment from the plan; Consulting (general) Service code 16 | 1025 ASHWORTH RD WEST DES MOINES, IA 50265 | $25K |
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 | 326 | 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) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 326 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.