| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: KUNKEL & ASSOCIATES INC | 401 DATA COURT DUBUQUE, IA 52003 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 11.25% |
| ASSUREDPARTNERS3 Filed as: KUNKEL & ASSOCIATES | 401 DATA COURT DUBUQUE, IA 52003 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 10.61% |
| CARUTH, JENNON, M3 Filed as: CARUTH, JENNON M | 1331 HEATHER COURT CHANHASSEN, MN 55317 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 43.87% |
| ASSUREDPARTNERS3 Filed as: KUNKEL & ASSOCIATES, INC. | 401 DATA CT DUBUQUE, IA 520038912 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 23.61% |
| ASSUREDPARTNERS3 Filed as: KUNKEL & ASSOCIATES | 401 DATA COURT DUBUQUE, IA 52003 | VISION SERVICE PLAN | $2K | — | $2K | 9.98% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $105 | — | $105 | 0.50% |
| CARUTH, JENNON, M3 Filed as: CARUTH JENNON | PO BOX 46122 EDEN PRAIRIE, MN 55344 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 65.00% |
| ASSUREDPARTNERS3 Filed as: KUNKEL & ASSOCIATES INC. | 401 DATA COURT DUBUQUE, IA 52003 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 33.25% |
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 | 411 | 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) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE | 310 | $583K |
| Dental | COMPANION LIFE | 310 | $583K |
| Vision(2 contracts, 2 carriers) | COMPANION LIFE | 310 | $604K |
| Life insurance | STANDARD INSURANCE COMPANY | 396 | $73K |
| Long-term disability | STANDARD INSURANCE COMPANY | 133 | $93K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 310 | $583K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 7 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.