| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.63% |
| SEVENHILLS CLEVELAND LLC3 Filed as: SEVENHILLS CLEVELAND | 7900 INTERNATIONAL DRIVE SUITE 990 BLOOMINGTON, MN 55425 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.78% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $532 | — | $532 | 1.20% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 14.89% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DR SUITE 990 MINNEAPOLIS, MN 55425 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 16.00% |
| ASSOCIATED BENEFITS & RISK CON3 Filed as: ASSOCIATED BENEFITS RISK CONSULTING | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | — |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 80 | $38K |
| Short-term disability | STANDARD INSURANCE COMPANY | 101 | $31K |
| Long-term disability | STANDARD INSURANCE COMPANY | 228 | $44K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 80 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.