| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABRC INSURANCE SOLUTIONS3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 54343 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 1.08% |
| ABRC INSURANCE SOLUTIONS3 Filed as: ABRC INSURANCE SOLUTIONS (AFG) | PO BOX 640 GREEN BAY, WI 54305 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.21% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 10.80% |
| ABRC INSURANCE SOLUTIONS3 Filed as: ABRC INSURANCE SOLUTION (AFG) | PO BOX 640 GREEN BAY, WI 54305 | HARTFORD LIFE AND ACCIDENT | — | $703 | $703 | 0.42% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DR MINNETONKA, MN 55343 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.99% |
| AON CONSULTING INC3 | 8200 TOWER SUITE 1100 5600 W 83RD STREET MINNEAPOLIS, MN 55437 | UNITEDHEALTHCARE INSURANCE COMPANY | $5 | — | $5 | 0.01% |
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 | 1,552 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 38 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,366 | $71K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,371 | $626K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 2,371 | $793K |
| Other | HARTFORD LIFE AND ACCIDENT | 2,371 | $626K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,371 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.