| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 7.87% |
| SCOT J MADSON3 Filed as: SCOT MADSEN | 3091 VOYAGER DRIVE GREEN BAY, WI 54311 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 13.48% |
| MICHAEL L. SCOTT3 Filed as: MICHAEL SCOTT | 222 OHIO STREET OSHKOSH, WI 54902 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 11.59% |
| GREAT LAKES INSURANCE CONSULTANTS3 | 1166 QUAIL COURT SUITE 100 PEWAUKEE, WI 53072 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.14% |
| SCOT J MADSON3 Filed as: SCOT MADSEN | 3091 VOYAGER DRIVE GREEN BAY, WI 54311 | GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 7.03% |
| MICHAEL L. SCOTT3 Filed as: MICHAEL SCOTT | 222 OHIO STREET OSHKOSH, WI 54902 | GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 7.03% |
| GREAT LAKES INSURANCE CONSULTANTS3 | 1166 QUAIL COURT SUITE 100 PEWAUKEE, WI 53072 | GUARDIAN LIFE INSURANCE COMPANY | $25 | — | $25 | 0.14% |
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 | 448 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 413 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.