| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $75K | $83K | 4.54% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 10.46% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $670 | — | $670 | 0.90% |
| JEFFREY A GENTZ3 | 8918 29TH CT KENOSHA, WI 53143 | AFLAC | $10K | $31 | $10K | 26.89% |
| KRISTINE A PEREZ3 | PO BOX 673 GENOA CITY, WI 53128 | AFLAC | $2K | — | $2K | 4.99% |
| THE WICHMANN GROUP INC3 | 12207 S 210TH ST GRETNA, NE 68028 | AFLAC | $2K | — | $2K | 4.09% |
| PATRICIA MELL3 | 6718 FIELDSTONE DR BURR RIDGE, IL 60527 | AFLAC | $124 | $49 | $173 | 0.45% |
| KARA SUE STADEL3 | 7537 N BOWDEN RD SCALES MOUND, IL 61075 | AFLAC | $165 | — | $165 | 0.43% |
| HOLLY A MARITA3 | 4623 HARDING RD KENOSHA, WI 53142 | AFLAC | $95 | — | $95 | 0.25% |
| GARY L GAULE3 | 415 S HARVEY AVE APT 2S OAK PARK, IL 60302 | AFLAC | $67 | $27 | $94 | 0.24% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $67 | — | $67 | 0.17% |
| JOHN H VRATSINAS3 | 401 N BIRCH RD UNIT 1112 FT LAUDERDALE, FL 33304 | AFLAC | $26 | $14 | $40 | 0.10% |
| CASEY J HIGGINS3 | 3083 LYMANS RUN SUN PRAIRIE, WI 53590 | AFLAC | $35 | $5 | $40 | 0.10% |
| KARA SUE STADEL3 | 4049 N RAWLINS RD GALENA, IL 61036 | AFLAC | $37 | — | $37 | 0.10% |
| HENRI INSURANCE SERVICES INC3 | 20105 DOLPHIN AVE LYNWOOD, IL 60411 | AFLAC | $16 | $5 | $21 | 0.05% |
| JOSEPH P HOFFMAN3 | 601 N THORNBUSH CIR HARTLAND, WI 53029 | AFLAC | $19 | — | $19 | 0.05% |
| JACK D BREES3 | 2725 S MOORLAND RD STE 301 NEW BERLIN, WI 53151 | AFLAC | $13 | — | $13 | 0.03% |
| JEREMY KOOI3 | 3495 HUNTER HOLLOW RD DODGEVILLE, WI 53533 | AFLAC | $6 | — | $6 | 0.02% |
| CHRISTOPHER J ZELLNER3 | 918 ALDORA LN WAUNAKEE, WI 53597 | AFLAC | $6 | — | $6 | 0.02% |
| ADAM THOMAS GARDNER3 | 101 N FARWELL ST STE 203 EAU CLAIRE, WI 54703 | AFLAC | $6 | — | $6 | 0.02% |
| SHADEL & ASSOCIATES LLC3 Filed as: SHADEL & ASSOCIATES INC | 4811 BEACH BLVD STE 107 JACKSONVILLE, FL 32207 | AFLAC | $5 | — | $5 | 0.01% |
| SHADEL & ASSOCIATES LLC3 Filed as: SHADEL & ASSOCIATES INC | 126 HOPKINS ST NEPTUNE BEACH, FL 32266 | AFLAC | $1 | — | $1 | 0.00% |
| UMR, INC.5 Filed as: UNITED HEALTHCARE BENEFIT SERVICES | 10701 WEST RESEARCH DRIVE WAUWATOSA, WI 53226 | UNITED HEALTHCARE BENEFIT SERVICES | — | $3K | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | 1233 NORTH MAYFAIR ROAD SUITE 204 MIWAUKEE, WI 53226 | $9K |
| ASSOCIATED FINANCIAL GROUP LLC BROKER | Insurance agents and brokers Service code 22 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | $5K |
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 | 238 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 346 | $1.8M |
| Life insurance | STANDARD INSURANCE COMPANY | 238 | $74K |
| Short-term disability | STANDARD INSURANCE COMPANY | 238 | $74K |
| Long-term disability | STANDARD INSURANCE COMPANY | 238 | $74K |
| Other(2 contracts, 2 carriers) | AFLAC | 63 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.