| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMBRUSTER EXECUTIVE & EMPLOYEE BEN3 | LORI M LANCE MOSFORD BARTHEL CO PLC OAKDALE, MN 55128 | MEDICA INSURANCE COMPANY | $16K | $561 | $17K | 2.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | SHELLY MARIE STARK PO BOX 95287 CHICAGO, IL 95287 | MEDICA INSURANCE COMPANY | $8K | $1K | $9K | 3.16% |
| BENNIE INSURANCE, LLC3 | GREGORY MICHAEL AUTUORI 700 CANAL ST STE 1 STAMFORD, CT 06902 | MEDICA INSURANCE COMPANY | $7K | $302 | $7K | 3.68% |
| LECLAIR CORPORATION3 | RICHARD J LETT 6701 UPPER AFTON RD SAINT PAUL, MN 55125 | MEDICA INSURANCE COMPANY | $3K | — | $3K | 1.26% |
| FLAGSHIP INSURANCE SERVICES INC3 | JENNIFER S STRATTON PO BOX 99 WINSTED, MN 55395 | MEDICA INSURANCE COMPANY | $6K | — | $6K | 3.42% |
| FLAGSHIP INSURANCE SERVICES INC3 | JENNIFER S STRATTON PO BOX 99 WINSTED, MN 55395 | MEDICA INSURANCE COMPANY | $2K | — | $2K | 2.11% |
| FLAGSHIP INSURANCE SERVICES INC3 | JENNIFER S STRATTON PO BOX 99 WINSTED, MN 55395 | MEDICA INSURANCE COMPANY | $1K | — | $1K | 5.55% |
| EMEX BENEFIT- CORY D WIEST3 Filed as: EMEX BENEFIT SYSTEMS INC | CORY DAVID WIEST 4575 MASON AVE NE SAINT MICHAEL, MN 55376 | MEDICA INSURANCE COMPANY | $672 | — | $672 | 3.33% |
| FLAGSHIP INSURANCE SERVICES INC3 | KATELYNN M LAHAYE PO BOX 99 WINSTED, MN 55395 | MEDICA INSURANCE COMPANY | $684 | — | $684 | 9.86% |
| ZIMNY INSURANCE AGENCY INC3 | CHRISTINA M MOHR 1103 BROADWAY ST STE 100 ALEXANDRIA, MN 56308 | MEDICA INSURANCE COMPANY | $196 | — | $196 | 3.16% |
| VICTORY INS- KURT C FOSTER3 Filed as: VICTORY INS INC | KURT C FOSTER 812 MAIN ST NW STE 270 ELK RIVER, MN 55330 | MEDICA INSURANCE COMPANY | $140 | — | $140 | 5.20% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts) | MEDICA INSURANCE COMPANY | 45 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 45 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.