| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 12600 WHITEWATER DRIVE SUITE 100 MINNETONKA, MN 553439450 | MEDICA INSURANCE COMPANY | $45K | $5K | $50K | 5.14% |
| ASSOCIATED FINANCIAL GROUP LLC | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | DELTA DENTAL OF MINNESOTA | $8K | — | $8K | 10.73% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 541362142 | RELIASTAR LIFE INSURANCE COMPANY | $10K | — | $10K | 18.09% |
| BLOOM HEALTH INSURANCE AGENCY LLC | 15 S 5TH STREET SUITE 300 MINNEAPOLIS, MN 554021577 | RELIASTAR LIFE INSURANCE COMPANY | $3K | $2K | $4K | 7.85% |
| ASSOCIATED FINANCIAL GROUP LLC Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | EYEMED VISION CARE | $1K | $228 | $1K | 10.84% |
| BLOOM HEALTH INSURANCE AGENCY LLC | 15 S 5TH STREET SUITE 300 MINNEAPOLIS, MN 55402 | EYEMED VISION CARE | $648 | — | $648 | 5.41% |
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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 270 | $975K |
| Dental | DELTA DENTAL OF MINNESOTA | 267 | $74K |
| Vision | EYEMED VISION CARE | 189 | $12K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 150 | $54K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 150 | $54K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 150 | $54K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 150 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.