| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC5 | 711 EISENHOWER DR KIMBERLY, WI 54136 | MERITAIN HEALTH | $0 | $381K | $381K | 27.71% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 2111 EAST HIGHLAND AVENUE SUITE B210 PHOENIX, AZ 85016 | HCC LIFE INSURANCE COMPANY | $53K | $0 | $53K | 5.00% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DR HOPKINS, MN 55343 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $115K | $0 | $115K | 12.81% |
| OLMSTED MEDICAL CENTER5 | 717 3RD AVE SE ROCHESTER, MN 55904 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 0.67% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | DDMN ASO, LLC | $10K | $0 | $10K | 1.20% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 14.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 NONE | Contract Administrator; Plan Administrator Service code 13 | — | $56K |
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 | 1,094 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 123 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 859 | $1.4M |
| Dental | DDMN ASO, LLC | 1,087 | $868K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,462 | $898K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,462 | $898K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 857 | $1.1M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,462 | $983K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,462 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.