| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | HARTFORD LIFE AND ACCIDENT | $9K | $5K | $15K | 1.74% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | HARTFORD LIFE AND ACCIDENT | $18K | $3K | $21K | 10.73% |
| BENEFIT COMMUNICATIONS INC0 | 2977 SIDCO DR NASHVILLE, IL 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $7K | $28K | 29.96% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 9.69% |
| WHEATLAND, JOHN, ALAN0 | 151 E 22ND ST, STE 101 LOMBARD, IL 60148 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $280 | — | $280 | 0.30% |
| AON CONSULTING INC0 Filed as: AON RISK SERVICES-MPLS | 75 REMITTANCE DR, STE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $120 | — | $120 | 0.13% |
| FK BENEFITS LLC0 | 920 2ND AVE S, STE 1100 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38 | — | $38 | 0.04% |
| EMPLOYEE SECURITY PLANS0 | 151 E 22ND ST STE 101E LOMBARD, IL 60148 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29 | — | $29 | 0.03% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DR MINNETONKA, MN 55343 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| BENEFIT COMMUNICATIONS INC0 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $1K | $13K | 26.39% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 10.15% |
| WHEATLAND, JOHN, ALAN0 | 151 E 22ND ST, STE 101 LOMBARD, IA 60148 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $936 | — | $936 | 1.95% |
| AON CONSULTING INC0 Filed as: AON RISK SERVICES-MPLS | 75 REMITTANCE DR, STE 1446 CHICAGO, IL 60675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $348 | — | $348 | 0.73% |
| FK BENEFITS LLC0 | 920 2ND AVE S, STE 1100 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 0.19% |
| EMPLOYEE SECURITY PLANS0 | 151 E 22ND ST STE 101E LOMBARD, IL 60148 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.15% |
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 | 1,708 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,755 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 743 | $75K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,333 | $887K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 2,333 | $1.0M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,333 | $982K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,333 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.