| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | HARTFORD LIFE AND ACCIDENT | $7K | $5K | $13K | 1.76% |
| FK BENEFITS LLC3 | 920 SECOND AVENUE SOUTH, STE. 1100 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.34% |
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | HARTFORD LIFE AND ACCIDENT | $17K | $2K | $19K | 11.47% |
| BENEFIT COMMUNICATIONS INC0 | 2977 SIDCO DR NASHVILLE, IL 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $4K | $25K | 16.20% |
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.83% |
| WHEATLAND, JOHN, ALAN0 | 151 E 22ND ST, STE 101 LOMBARD, IL 60148 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $202 | — | $202 | 0.13% |
| AON CONSULTING INC0 Filed as: AON RISK SERVICES-MPLS | 75 REMITTANCE DR, STE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87 | — | $87 | 0.06% |
| FK BENEFITS LLC0 | 920 2ND AVE S, STE 1100 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44 | — | $44 | 0.03% |
| EMPLOYEE SECURITY PLANS0 | 151 E 22ND ST STE 101E LOMBARD, IL 60148 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34 | — | $34 | 0.02% |
| BENEFIT COMMUNICATIONS INC0 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $1K | $15K | 15.79% |
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 6.11% |
| WHEATLAND, JOHN, ALAN0 | 151 E 22ND ST, STE 101 LOMBARD, IA 60148 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $405 | — | $405 | 0.42% |
| AON CONSULTING INC0 Filed as: AON RISK SERVICES-MPLS | 75 REMITTANCE DR, STE 1446 CHICAGO, IL 60675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $147 | — | $147 | 0.15% |
| FK BENEFITS LLC0 | 920 2ND AVE S, STE 1100 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.05% |
| EMPLOYEE SECURITY PLANS0 | 151 E 22ND ST STE 101E LOMBARD, IL 60148 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| ASSOCIATED BENEFITS & RISK CONSULTI3 Filed as: ASSOCIATED BENEFITS AND RISK CONSU. | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | METLIFE LEGAL PLANS | $1K | — | $1K | 4.91% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | METLIFE LEGAL PLANS | $1K | — | $1K | 3.46% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | METLIFE LEGAL PLANS | — | $204 | $204 | 0.70% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | — | $72 | $72 | 0.25% |
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 | 1,730 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,781 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,723 | $105K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,199 | $831K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 2,199 | $901K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 2,199 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,199 | — |
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.