| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 | ATTN COMMISSIONS DEPT 711 EISENHOWER DR KIMBERLY, WI 54136 | CGI-TOKIO MARINE HCC | $2K | — | $2K | 2.65% |
| CGI - COMMERCIAL GROUP INTERMEDIARI3 Filed as: CGI-COMMERCIAL GROUP INTERMEDIARIES | 2356 HASSELL RD. SUITE F HOFFMAN ESTATES, IL 60169 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 12.55% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.88% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $664 | — | $664 | 1.60% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 18.21% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.84% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $530 | — | $530 | 1.48% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 13.66% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.86% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $856 | — | $856 | 2.41% |
| ASSOC BENEFITS & RISK CONSULTING3 Filed as: ASSOC FINANCIAL GRP LLC | DBA ASSOC BFTS RISK C 711 EISENHOWER DRIVE KIMBERLY, WI 53136 | NATIONAL VISION ADMINISTRATORS, LLC | $3K | — | $3K | 8.42% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | 16805 W CLEVELAND AVENUE NEW BERLIN, WI 53151 | NATIONAL VISION ADMINISTRATORS, LLC | $278 | — | $278 | 0.79% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HNI RISK | SERVICES 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | NATIONAL VISION ADMINISTRATORS, LLC | $278 | — | $278 | 0.79% |
| ASSOCIATED FINANCIAL GRP LLC DBA3 | ASSOC. BENEFITS AND RISK CONSULTING 711 EISENHOWER DR KIMBERLY, WI 54136 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $233 | $2K | 14.06% |
| ACRISURE LLC3 | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | SUN LIFE ASSURANCE COMPANY OF CANADA | $176 | — | $176 | 1.44% |
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 | 326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 453 | $35K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 326 | $77K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 326 | $36K |
| Other(5 contracts, 5 carriers) | CGI-TOKIO MARINE HCC | 357 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.