| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC | ATTN COMMISSIONS DEPT 711 EISENHOWER DR KIMBERLY, WI 54136 | SYMETRA LIFE INSURANCE COMPANY | $44K | — | $44K | 10.01% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DR MINNETONKA, MN 553439448 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $257 | $5K | 5.22% |
| SERVE YOU RX5 Filed as: SERVE YOU CUSTOM PRESCRIPTION MGMNT | 10201 W INNOVATION DRIVE #600 MILWAUKEE, WI 53226 | SERVE YOU CUSTOM PRESCRIPTION MANAGEMEBT | — | $5K | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $204K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | 2801 HOOVER STREET PO BOX 828 STEVENS POINT, WI 54481 | $20K |
| ASSOCIATED FINANCIAL GROUP LLC EIN 91-2189930 BROKER | Other commissions Service code 55 | ATTN COMMISSIONS DEPT 711 EISENHOWER DR KIMBERLY, WI 54136 | $12K |
| ASSOCIATED BENEFITS & RISK CON EIN 91-2189930 INSURANCE AGENT OR BROKER | Insurance agents and brokers Service code 22 | ATTN DAVID KRACHT PO BOX 937 APPLETON, WI 54912 | $215 |
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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $105K |
| Prescription drug | SERVE YOU CUSTOM PRESCRIPTION MANAGEMEBT | 406 | $0 |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 406 | $436K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.