| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | HARTFORD LIFE AND ACCIDENT | $8K | $4K | $12K | 1.36% |
| FK BENEFITS LLC3 | 920 SECOND AVENUE SOUTH, STE. 1100 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.23% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | HARTFORD LIFE AND ACCIDENT | $19K | $2K | $21K | 11.04% |
| BENEFIT COMMUNICATIONS INC0 | 2977 SIDCO DR NASHVILLE, IL 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $5K | $27K | 19.08% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 6.60% |
| WHEATLAND, JOHN, ALAN0 | 151 E 22ND ST, STE 101 LOMBARD, IL 60148 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $263 | — | $263 | 0.19% |
| AON CONSULTING INC0 Filed as: AON RISK SERVICES-MPLS | 75 REMITTANCE DR, STE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $113 | — | $113 | 0.08% |
| FK BENEFITS LLC0 | 920 2ND AVE S, STE 1100 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40 | — | $40 | 0.03% |
| EMPLOYEE SECURITY PLANS0 | 151 E 22ND ST STE 101E LOMBARD, IL 60148 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30 | — | $30 | 0.02% |
| BENEFIT COMMUNICATIONS INC0 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29K | $3K | $33K | 35.56% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 13.63% |
| WHEATLAND, JOHN, ALAN0 | 151 E 22ND ST, STE 101 LOMBARD, IA 60148 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $414 | — | $414 | 0.45% |
| AON CONSULTING INC0 Filed as: AON RISK SERVICES-MPLS | 75 REMITTANCE DR, STE 1446 CHICAGO, IL 60675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 0.15% |
| FK BENEFITS LLC0 | 920 2ND AVE S, STE 1100 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.08% |
| EMPLOYEE SECURITY PLANS0 | 151 E 22ND ST STE 101E LOMBARD, IL 60148 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.06% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | METLIFE LEGAL PLANS | $2K | $134 | $2K | 12.28% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 8300 NORMAN CENTER DRIVE, STE. 1000 MINNEAPOLIS, MN 55437 | METLIFE LEGAL PLANS | — | $77 | $77 | 0.44% |
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 | 1,698 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 45 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,768 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 748 | $85K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,281 | $1.0M |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 2,281 | $1.1M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 2,281 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,281 | — |
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.