| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | $3K | $31K | 13.54% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $1K | $11K | 11.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | EYEMED | $6K | — | $6K | 9.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | EYEMED | $442 | — | $442 | 0.67% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $106 | $5K | 17.63% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $335 | $3K | 11.40% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $72 | $4K | 16.09% |
| JOSEPH HUTH4 | 3863 CRESTWOOD PL WHITE BEAR LAKE, MN 55110 | LEGALSHIELD | $2K | — | $2K | 9.95% |
| USI INSURANCE SERVICES LLC4 | 6800 FRANCE AVE S SUITE 735 MINNEAPOLIS, MN 55435 | LEGALSHIELD | $1K | — | $1K | 6.10% |
| USI INSURANCE SERVICES LLC4 | 8000 NORMAN CENTER DR SUITE 400 BLOOMINGTON, MN 55437 | LEGALSHIELD | $810 | — | $810 | 3.46% |
| HEARTLAND BENEFITS GROUP LLC4 | 3120 CASTLETON XING SUN PRAIRIE, WI 53590 | LEGALSHIELD | $26 | — | $26 | 0.11% |
| SHERRY SWEDENBORG4 Filed as: SHERRY L SWEDENBORG | 4500 S MONACO ST APT 2021 DENVER, CO 80237 | LEGALSHIELD | $1K | — | $1K | 22.65% |
| BLUMCIA BUSINESS SOLUTIONS4 | 3440 YOUNGFIELD ST PMB 271 WHEAT RIDGE, CO 80033 | LEGALSHIELD | $76 | — | $76 | 1.16% |
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 | 784 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 797 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 747 | $66K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 784 | $96K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 784 | $227K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 784 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 784 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.