| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 4.26% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR MINNETONKA, MN 55343 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $704 | — | $704 | 2.00% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 4.86% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | EYEMED VISION CARE | $2K | — | $2K | 7.34% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | EYEMED VISION CARE | $651 | — | $651 | 2.55% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DR MINNETONKA, MN 55343 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $155 | $2K | 10.07% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | METROPOLITAN LIFE INSURANCE COMPANY | $293 | $31 | $324 | 1.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | METROPOLITAN LIFE INSURANCE COMPANY | $69 | — | $69 | 0.35% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $35 | $35 | 0.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.01% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DR MINNETONKA, MN 55343 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $119 | $1K | 10.28% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | METROPOLITAN LIFE INSURANCE COMPANY | $202 | $31 | $233 | 1.81% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $25 | $25 | 0.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREFERREDONE ADMINISTRATIVE SERVICE EIN 41-1846481 OTHER FEES | Other fees Service code 99 | — | $463K |
| DDMN ASO, LLC EIN 41-1905554 THIRD PARTY ADMINISTRATO | Contract Administrator Service code 13 | — | $169K |
| NICE HEALTHCARE OTHER FEES | Other fees Service code 99 | 2355 HIGHWAY 36 WEST SUITE 400 ROSEVILLE, MN 55113 | $76K |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $32K |
| Vision | EYEMED VISION CARE | 325 | $26K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $68K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $33K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
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.