| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK ZILAVY3 | ASSOCIATED FINANCIAL GROUP, LLC 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | DEAN HEALTH PLAN INC. | $17K | $0 | $17K | 2.41% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $16K | $0 | $16K | 2.90% |
| ASSOCIATED BANC-CORP3 | 433 MAIN ST. GREEN BAY, WI 54301 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $0 | $1 | $1 | 0.00% |
| MARTHA L BURNS3 Filed as: MARTHA L. BURNS | ASSOCIATED FINANCIAL GROUP, LLC 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN, INC. | $34K | $0 | $34K | 10.00% |
| MARTHA L BURNS3 Filed as: MARTHA L. BURNS | ASSOCIATED FINANCIAL GROUP, LLC 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNITED BEHAVIORAL HEALTH DBA OPTUM | $0 | $85K | $85K | — |
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 | 3,302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DEAN HEALTH PLAN INC. | 160 | $1.2M |
| Vision(2 contracts, 2 carriers) | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN, INC. | 5,696 | $377K |
| Other | UNITED BEHAVIORAL HEALTH DBA OPTUM | 4,800 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,696 | — |
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.