| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | DEAN HEALTH PLAN INC. | $21K | — | $21K | 4.54% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 5.13% |
| USI INSURANCE SERVICES LLC3 | 4600 S. ULSTER ST. DENVER, CO 80237 | AMERITAS LIFE INSURANCE CORP | — | $615 | $615 | 1.28% |
| MIDWEST SELECT INSURANCE GROUP LLC3 | 1431 OKEEFE DRIVE KRONENWETTER, WI 54455 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.63% |
| CANSAS A STEIDL3 | 1099 QUAIL CT. STE 210 PEWAUKEE, WI 53027 | TRANSAMERICA LIFE INSURANCE COMPANY | $480 | — | $480 | 2.13% |
| CS INSURANCE SERVICES LLC3 | 127 MAIN STREET HARTFORD, WI 53027 | TRANSAMERICA LIFE INSURANCE COMPANY | $115 | — | $115 | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $730 | $273 | $1K | 13.74% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | SUN LIFE ASSURANCE COMPANY OF CANADA | $510 | — | $510 | 13.80% |
| BHERD, LLC3 Filed as: BHERD | 1956 PARK AVE DES MOINES, IA 50315 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $78 | $78 | 2.11% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | AFLAC | $270 | — | $270 | 9.38% |
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 | 235 | 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) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN INC. | 144 | $454K |
| Dental | AMERITAS LIFE INSURANCE CORP | 127 | $48K |
| Vision | AMERITAS LIFE INSURANCE CORP | 127 | $48K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 235 | $7K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 9 | $4K |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 235 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.