| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: KUNKEL & ASSOCIATES | 401 DATA COURT DUBUQUE, IA 52003 | COMPANION LIFE | $6K | — | $6K | 0.69% |
| ASSUREDPARTNERS3 Filed as: KUNKEL & ASSOCIATES INC | 401 DATA COURT DUBUQUE, IA 52003 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 10.90% |
| ASSUREDPARTNERS3 Filed as: KUNKEL & ASSOCIATES | 401 DATA COURT DUBUQUE, IA 52003 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 11.13% |
| ASSUREDPARTNERS3 Filed as: KUNKEL & ASSOCIATES INC. | 401 DATA COURT DUBUQUE, IA 52003 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: CLARITY AN ALERA GROUP COMPANY LLC | PO BOX 46112 EDEN PRAIRIE, MN 55344 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 8.78% |
| ASSUREDPARTNERS3 Filed as: KUNKEL & ASSOCIATES, INC. | 401 DATA CT DUBUQUE, IA 520038912 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.55% |
| CARUTH, JENNON, M3 Filed as: CARUTH, JENNON M | 1331 HEATHER COURT CHANHASSEN, MN 55317 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.38% |
| ASSUREDPARTNERS3 Filed as: KUNKEL & ASSOCIATES | 401 DATA COURT DUBUQUE, IA 52003 | VISION SERVICE PLAN | $2K | — | $2K | 11.66% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $0 | — | $0 | 0.00% |
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 | 372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE | 326 | $842K |
| Dental | COMPANION LIFE | 326 | $842K |
| Vision(2 contracts, 2 carriers) | COMPANION LIFE | 326 | $863K |
| Life insurance | STANDARD INSURANCE COMPANY | 411 | $93K |
| Long-term disability | STANDARD INSURANCE COMPANY | 140 | $103K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 326 | $842K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 779 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 779 | — |
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.