| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DR MINNETONKA, MN 553439448 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $1K | $19K | 14.74% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BRYN MAWR AVE STE 1000S CHICAGO, IL 606313507 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 5.80% |
| TRIONFO5 Filed as: TRIONFO SOLUTIONS LLC | 333 W PIERCE RD STE 190 ITASCA, IL 601433116 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 4.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 711 EISENHOWER DR KIMBERLY, WI 541362142 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $31 | $5K | 3.69% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 234662817 | METROPOLITAN LIFE INSURANCE COMPANY | — | $348 | $348 | 0.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | — | $48 | $48 | 0.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-WI | 711 EISENHOWER DR KIMBERLY, WI 54136 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 8.41% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 149 | $18K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 295 | $130K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 295 | $130K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 295 | $130K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 424 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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."
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.