| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICA SELF-INSURED3 | — | MEDICA INSURANCE COMPANY | $142K | $41K | $183K | 41.59% |
| BRIAN WHITE3 Filed as: BRIAN MOE ASSOCIATED FINANCIAL GROU | — | MEDICA INSURANCE COMPANY | — | $5K | $5K | 1.11% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE ATTN COMMISSIONS DEPARTMENT KIMBERLY, WI 54136 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $11K | $55K | 13.38% |
| ASSOCIATED FINANCIAL GROUP LLC DBA3 Filed as: ASSOCIATED FINANCIAL GROUP- MINNETO | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | EYEMED VISION CARE | $2K | — | $2K | 11.84% |
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 | 337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,134 | $408K |
| Vision | EYEMED VISION CARE | 352 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,134 | $408K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,134 | $408K |
| Stop-loss / reinsurancereinsurance | MEDICA INSURANCE COMPANY | 282 | $440K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,134 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,134 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.