| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AHMANN MARTIN3 Filed as: AHMANN AND MARTIN CO | 7555 MARKET PLACE DRIVE EDEN PRAIRIE, MN 55344 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $93K | $0 | $93K | 5.51% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 1.99% |
| LOCKTON COMPANIES, LLC3 | 1800 JOHN F KENNEDY BOULEVARD SUITE 1110 PHILADELPHIA, PA 19103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 1.15% |
| AHMANN MARTIN3 Filed as: AHMANN-MARTIN RISK & BEN. CONS. | 7555 MARKET PLACE DRIVE EDEN PRAIRIE, MN 55344 | EYEMED VISION CARE | $3K | $0 | $3K | 3.54% |
| LOCKTON COMPANIES, LLC3 | 1800 JFK BOULEVARD PHILADELPHIA, PA 19103 | EYEMED VISION CARE | $3K | $0 | $3K | 2.75% |
| AHMANN MARTIN3 Filed as: AHMANN-MARTIN RISK & BEN CONS. | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | EYEMED VISION CARE | $2K | $0 | $2K | 1.76% |
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 | 927 | 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) | 927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,906 | $1.7M |
| Vision | EYEMED VISION CARE | 1,911 | $95K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 927 | $493K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 927 | $493K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,906 | $1.7M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 927 | $506K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,911 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.