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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

Mike 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.

Ryan Newville

VP, Underwriting

Ryan Newville has helped TPAC achieve consistent growth while aiding employers in transitioning to self-funding and staying self-funded. Read MoreIn his role as Vice President of Underwriting, Ryan oversees the underwriting, pricing and marketing segments of TPAC. Ryan approaches underwriting with a desire to understand the unique intricacies of each individual employer plan so he can serve the creativity of his partners. His experience extends to several areas, such as portfolio management, PPO analysis, data analysis including loss ratio projections, and product development.

A proud father of 3 children, Ryan enjoys attending track and cross-country meets, volleyball, baseball, and soccer games, watching movies, playing video games, and cooking with them. He is involved with his church and is an active supporter of its global partners.

Andy Niemi

VP, Risk Management

Andy Niemi has held a variety of positions within finance and operations at TPAC, now serving as Vice President of Risk Management. Read MoreHe takes pride in building relationships with his team and with clients based on mutual respect and shared purpose. Since joining the company in 1999, Andy has managed an organization that has grown from $6M in annualized premium to over $80M. He started his career at Prudential Insurance Company and spent a few years working for a sister company, Risk Solution Resources.

Brian Loch

VP, Operations

Since joining TPAC in 2011, Brian Loch has served in a variety of Finance and IT positions. In his current role as Vice President Read Moreof Operations, Brian oversees the Sale Administration, Claims, Finance and IT segments of TPAC. 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, son and their trusty goldendoodle. In his spare time, he likes hiking, cooking and scuba diving, and enjoys being a dad and volunteering in the nursery at his church.