| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED BENEFITS AND RISK CONSUL3 | PATRICK TOLLEFSRUD 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | HEALTHPARTNERS, INC | $23 | $29K | $29K | 4.98% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | DELTA DENTAL OF MINNESOTA | $6K | — | $6K | 10.96% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 12.12% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $214 | — | $214 | 0.94% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 12.05% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $169 | — | $169 | 0.91% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 17.83% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $97 | — | $97 | 1.26% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | MINNETONKA, MN 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | EYE MED | $619 | — | $619 | 17.51% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS, INC | 85 | $583K |
| Dental | DELTA DENTAL OF MINNESOTA | 106 | $54K |
| Vision | EYE MED | 56 | $4K |
| Life insurance | STANDARD INSURANCE COMPANY | 129 | $23K |
| Short-term disability | STANDARD INSURANCE COMPANY | 13 | $8K |
| Long-term disability | STANDARD INSURANCE COMPANY | 129 | $18K |
| Other | HEALTHPARTNERS INSURANCE COMPANY | 154 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.