| 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 | $140K | — | $140K | 6.19% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $22K | — | $22K | 0.99% |
| CLIFTONLARSONALLEN WEALTH ADVISORS3 | 220 S 6TH STREET, SUITE 300 MINNEAPOLIS, MN 554021418 | METROPOLITAN LIFE INSURANCE COMPANY | $141K | — | $141K | 19.02% |
| SECURA CONSULTANTS LLC3 | 6465 WAYZATA BLVD STE 920 MINNEAPOLIS, MN 554261728 | METROPOLITAN LIFE INSURANCE COMPANY | $65K | — | $65K | 8.85% |
| SECURA BROKERAGE LLC3 | 6465 WAYZATA BLVD SUITE 920 MINNEAPOLIS, MN 554261728 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | — | $20K | 2.73% |
| GEORGE DAVIDSON3 | PO BOX 10 MINNEAPOLIS, MN 554261728 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 2.27% |
| FRANK J ZAWLOCKI3 | 220 S 6TH ST STE 300 MINNEAPOLIS, MN 554021418 | METROPOLITAN LIFE INSURANCE COMPANY | $504 | — | $504 | 0.07% |
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 | 5,875 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 5,961 | $2.3M |
| Long-term disability | STANDARD INSURANCE COMPANY | 5,961 | $2.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 475 | $740K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,961 | — |
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.