| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $75K | $28K | $103K | 4.01% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | STANDARD INSURANCE COMPANY | $42K | — | $42K | 1.63% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 0.42% |
| CLIFTONLARSONALLEN WEALTH ADVISORS3 | 220 S 6TH STREET, SUITE 300 MINNEAPOLIS, MN 554021418 | METROPOLITAN LIFE INSURANCE COMPANY | $131K | — | $131K | 16.21% |
| SECURA CONSULTANTS LLC3 | 6465 WAYZATA BLVD STE 920 MINNEAPOLIS, MN 554261728 | METROPOLITAN LIFE INSURANCE COMPANY | $88K | — | $88K | 10.91% |
| GEORGE DAVIDSON3 | 31 SMITH STREET #304 CHARLESTON, SC 29401 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 1.52% |
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 | 6,398 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 6,552 | $2.6M |
| Long-term disability | STANDARD INSURANCE COMPANY | 6,552 | $2.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 577 | $809K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,552 | — |
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.