| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN WHITE3 Filed as: BRIAN MOE ASSOCIATED FINANCIAL | — | MEDICA INSURANCE COMPANY | $5K | — | $5K | 1.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW INSURANCE SERVICES | 353 NORTH CLARK STREET SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $5K | $24K | 5.15% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $4K | $19K | 4.00% |
| INVISION BENEFIT3 | 90 BOULDER DRIVE LAKE IN THE HILLS, IL 60156 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $4K | $16K | 3.36% |
| ASSUREDPARTNERS3 Filed as: INVISION BENEIFT, LTD | 99 BOULDER DRIVE LAKE IN THE HILLS, IL 60156 | EYEMED VISION CARE | $512 | — | $512 | 3.14% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW FINANCIAL-BANNOCKBURN IL | 1500 SOUTH LAKESIDE DRIVE BANNOCKBURN, IL 60015 | EYEMED VISION CARE | $498 | — | $498 | 3.06% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | EYEMED VISION CARE | $494 | — | $494 | 3.03% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 678 | $472K |
| Vision | EYEMED VISION CARE | 345 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 678 | $472K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 678 | $472K |
| Stop-loss / reinsurancereinsurance | MEDICA INSURANCE COMPANY | 292 | $478K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 678 | $472K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 678 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.