| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY BECK3 | 800 MAIN STREET PO BOX 28 DOBUQUE, IA 52004 | HEALTH PARTNERS | $24K | $0 | $24K | 3.68% |
| JOHNSON INSURANCE CONSULTANTS3 Filed as: JOHNSON INSURANCE CONSULTANTS, INC. | 302 W SUPERIOR STREET, SUITE 400 DULUTH, MN 55802 | UNION SECURITY INSURANCE COMPANY | $35K | $0 | $35K | 25.06% |
| SPENCER R. MILLER3 | 1423 N. 8TH ST, STE 107 SUPERIOR, WI 54880 | AFLAC | $347 | — | $347 | 5.08% |
| PAMELA CHRISTMAN3 | 2231 E 5TH ST, APT 14 SUPERIOR, WI 54880 | AFLAC | $155 | — | $155 | 2.27% |
| DANIEL L OJA3 Filed as: DANIEL OJA | 6015 OAKES AVE SUPERIOR, WI 54880 | AFLAC | $144 | — | $144 | 2.11% |
| TAD HOWARD ASP3 | 10890 N SMITH RD HAYWARD, WI 54843 | AFLAC | $87 | — | $87 | 1.27% |
| CHRISTINA DUBOIS3 | 609 E 7TH ST SUPERIOR, WI 54880 | AFLAC | $66 | — | $66 | 0.97% |
| ADAM THOMAS GARDNER3 | 101 NORTH FARWELL ST SUITE 203 EAU CLAIRE, WI 54703 | AFLAC | $42 | — | $42 | 0.62% |
| CHIRSTOPHER P DOOLEY3 | 2903 NORTHWINDS DR EAU CLAIRE, WI 54701 | AFLAC | $41 | — | $41 | 0.60% |
| JASON SCZEPANIAK3 | 4001 FELLAND ROAD STE 106 MADISON, WI 53718 | AFLAC | $30 | — | $30 | 0.44% |
| MICHAEL A PEDERSON3 Filed as: MICHAEL A. PEDERSON | 101 NORTH FARWELL ST STE 203 MB203 ST EAU CLAIRE, WI 54703 | AFLAC | $26 | — | $26 | 0.38% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $17 | — | $17 | 0.25% |
| JASON FRANCISCO3 | 2408 E. 4TH STREET DULUTH, MN 55812 | AFLAC | $15 | — | $15 | 0.22% |
| KNUTE NELSON3 | 5650 W 36TH ST SY LOUIS PARK, MN 55416 | AFLAC | $2 | — | $2 | 0.03% |
| MATHEW MATARRESE3 | 203 MONTCLAIR RD IRMO, SC 29063 | AFLAC | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PARTNERS ADMINISTRATORS, INC EIN 41-1629390 ADMINISTRATOR | Contract Administrator Service code 13 | — | $12 |
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 | 445 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PARTNERS | 326 | $646K |
| Dental | HEALTH PARTNERS | 326 | $646K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 419 | $139K |
| Short-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 419 | $146K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 419 | $139K |
| Stop-loss / reinsurancereinsurance | HEALTH PARTNERS | 326 | $646K |
| Other | UNION SECURITY INSURANCE COMPANY | 419 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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.