| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | HUMANA INSURANCE COMPANY | $48K | $3K | $51K | 9.32% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA EIN 39-1263473 NONE | Contract Administrator Service code 13 | — | $128K |
| BAKER TILLY VIRCHOW KRAUSE EIN 39-0859910 NONE | Accounting (including auditing) Service code 10 | — | $11K |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 317 | $546K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 539 | $572K |
| Life insurance(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 332 | $558K |
| Short-term disability | HUMANA INSURANCE COMPANY | 317 | $546K |
| Stop-loss / reinsurancereinsurance | HUMANA INSURANCE COMPANY | 317 | $546K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 332 | $558K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 539 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.