| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HERMAN3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | HEALTH PARTNERS INSURANCE CO. | — | $54K | $54K | 1.98% |
| MICHAEL HERMAN3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | HEALTH PARTNERS INSURANCE CO. | — | $121 | $121 | 0.00% |
| JENNON CARUTH3 | 6400 FLYING CLOUD DRIVE STE 215 EDEN PRAIRIE, MN 553443361 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $638 | $12K | 34.46% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 553439448 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 21.78% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 553439448 | METROPOLITAN LIFE INSURANCE COMPANY | — | $547 | $547 | 1.54% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | USABLE LIFE | $4K | — | $4K | 12.00% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | USABLE LIFE | $2K | — | $2K | 4.74% |
| JENNON CARUTH3 | 6400 FLYING CLOUD DRIVE STE 215 EDEN PRAIRIE, MN 553443361 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $152 | $9K | 36.54% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 553439448 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 23.95% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 553439448 | METROPOLITAN LIFE INSURANCE COMPANY | — | $135 | $135 | 0.54% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | USABLE LIFE | $3K | — | $3K | 15.00% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | USABLE LIFE | $929 | — | $929 | 4.80% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 18.77% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 12600 WHITEWATER DR STE 100 MINNETONKA, MN 55343 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PARTNERS INSURANCE CO. | 448 | $2.7M |
| Dental | DELTA DENTAL | 491 | $146K |
| Life insurance(3 contracts, 2 carriers) | USABLE LIFE | 236 | $61K |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $69K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.