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Company Overview

TPAC Underwriters, Inc. is a Managing General Underwriting firm located in Minneapolis, Minnesota. In business since 1991, TPAC works to protect employer’s self-funded plans by providing reliable and creative stop-loss solutions such as Spaggregate®, Specific, Aggregate and SmartShare® along with capitated drug card programs. With 30 years in business, we take pride in finding original solutions to the problems our partners face.

TPAC believes in cultivating partnerships and focusing on the success of all involved parties. Our Partnership Philosophy is the starting point for these relationships, and our Renewal Philosophy enables us to assure our partners that working with TPAC is something special. But don’t take our word for it—hear from some of our most valued partners.

Meet TPAC's Leadership Team

Michael Meloch


Michael Meloch has led TPAC through a period of dramatic growth and consistent profitability as President and now as CEO. Read MoreHe is currently responsible for product design, development and corporate strategy for the company. Mike is driven by a desire to infuse greater transparency and simplicity into the way healthcare is delivered and financed. Prior to TPAC, Mike served in a variety of actuarial underwriting positions with MGUs and regional insurance companies.

A graduate of Bethel University with a degree in Mathematics Mike and his wife Karin live in the Minneapolis area with their four children. Mike has coached a variety of youth sports, volunteers at his local church and has served on various local and national boards.

John Nelson


John Nelson serves as TPAC’s president, holding overall responsibility for the company and its operations. Read MoreHe exhibits true ownership when it comes to his responsibilities in the organization. With over 30 years in the healthcare insurance industry, John’s experience with employer stop loss coverage provides expert insight from a variety of perspectives. Before joining TPAC, John held positions in several different parts of the industry.

A proud graduate of the University of Minnesota, John lives with his wife Gail in Rosemount, MN. He volunteers at his local church and has served in his community through coaching youth sports and sitting on a variety of local boards.

Jacob Fast

Director of Business Development

Jacob Fast joined TPAC in 2008 as an Underwriter, now serving as the Director of Business Development. Read MoreDuring his time at TPAC Jacob has accumulated expertise in stop-loss pricing, block analysis and management as well as building and maintaining relationships with TPAs, agents and the many vendors supporting the self-insurance industry. In his role, Jacob facilitates defining and reimagining ways that strategic partnerships can promote the mission of TPAC while building upon the foundational core values.

Jacob and his wife make their home just outside of the Twin Cities. Away from TPAC he enjoys golf, coaching soccer and playing sports with his four young children.

Brian Loch

VP of Operations

Since joining TPAC in 2011, Brian Loch has served in a variety of Finance and IT positions. Read MoreIn his current role as Vice President of Operations, Brian oversees the Implementation, Claims and Finance segments of TPAC along with TPA Audits and Vendor Evaluations. Brian seeks to leverage technology to optimize processes and empower people to better achieve TPAC’s vision of changing the way healthcare is financed, disclosed and delivered.

Brian lives north of the Twin Cities with his wife and two sons and their trusty goldendoodle. In his spare time, he likes hiking, cooking, scuba diving, volunteering in the nursery at his church and most of all enjoys being a Dad.

Ryan Newville

VP of Technology & Risk Analysis

Ryan Newville has invested more than 20 years into TPAC committed to improving the way stop-loss helps employers self-fund. Read MoreDuring his tenure, Ryan has impacted many areas but especially the underwriting, pricing and data efforts at TPAC. His experience extends to areas, such as portfolio management, rating manuals, data analysis including loss ratio projections, and product development. He is especially driven to use data to change the way the self-funded community experiences the financing and delivery of healthcare.

A husband and proud father of 3 children, Ryan and Jessica enjoy many activities with their children, which include cross country, volleyball, karate, watching movies, and camping. He is involved with his church and is an active supporter of its global partners.

Andy Niemi

VP of Captive Management

Andy Niemi, a native of Michigan’s Upper Peninsula, has called the Twin Cities home since 1994. Read MoreHe has been with TPAC Underwriters since 1999 serving in a variety of capacities primarily within finance and operations. He also spent a few years working for a sister company, Risk Solution Resources, in similar capacities. He now manages our Captive Insurance Company, providing day to day oversight as well as developing customized opportunities to help employer groups control medical costs.

A graduate of Northern Michigan University, Andy and his wife Carissa have 2 children and live in Shoreview, MN. His passion to help people goes beyond his work in the medical industry. He also volunteers in his community with two local organizations, New Life Family Services and Arise Ministries.

Jeff Whitaker

Director of Underwriting

Jeff Whitaker has over 20 years of medical underwriting experience. Read MoreIn those 20 years he has underwrote everything from small group fully insured to large self-funded groups, and now serves as the Director of Underwriting. He also enjoys finding solutions to help groups move from fully insured to self-funded.

Jeff is a graduate of South Dakota State University with a degree in Economics, he lives northwest of the Twin Cities with his wife and two children. He is an avid runner and enjoys going for walks every evening.