| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC | 1701 GOLF ROAD STE 700 ROLLING MEADOWS, IL 60008 | TOKIO MARINE | $90K | — | $90K | 12.03% |
| ASSOCIATED AGENCIES INC 13 | 8801 INDIAN HILLS DRIVE OMAHA, NE 681144066 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ASSOCIATED AGENCIES INC 13 Filed as: ASSOCIATED AGENCIES INC 2 | 8801 INDIAN HILLS DRIVE OMAHA, NE 681144066 | LINCOLN NATIONAL LIFE INSURANCE COMPANY LTD | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $77K |
| ASSOCIATED AGENCIES INC EIN 36-2709020 BROKER | Other commissions Service code 55 | 1701 GOLF RD TWR 3 7TH FL ROLLING MEADOWS, IL 60008 | $10K |
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 | 638 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 638 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE | 154 | $745K |
| Dental | TOKIO MARINE | 154 | $745K |
| Vision | TOKIO MARINE | 154 | $745K |
| Life insurance(2 contracts, 2 carriers) | TOKIO MARINE | 638 | $775K |
| Short-term disability | TOKIO MARINE | 154 | $745K |
| Long-term disability(2 contracts, 2 carriers) | TOKIO MARINE | 154 | $767K |
| Prescription drug | TOKIO MARINE | 154 | $745K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 154 | $745K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 638 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 638 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.