| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARUTH, JENNON, M0 | 6400 FLYING CLOUD DRIVE, STE. 215 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $1K | $19K | 10.17% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 3.16% |
| AON CONSULTING INC0 Filed as: CUSTOM BENEFIT PROGRAMS - AON COMPA | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $806 | $2K | 1.15% |
| HENINRICH, RICHARD J.0 | 13921 BLENHEIM TRAIL ROAD FT MEYERS, FL 33908 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $609 | — | $609 | 0.33% |
| DAVID MARTIN AGENCY INC3 | 6800 FRANCE AVENUE S, STE 735 EDINA, MN 55435 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $548 | — | $548 | 0.30% |
| ASSOCIATED FINANCIAL GROUP LLC0 Filed as: ASSOCIATED FINANCIAL GROUP | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $161 | — | $161 | 0.09% |
| AHMANN MARTIN3 Filed as: AHMANN & MARTIN COMPANY | 7555 MARKET PLACE DR EDEN PRAIRIE, MN 553443637 | RELIASTAR LIFE INSURANCE COMPANY | $16K | — | $16K | 10.00% |
| DAVID MARTIN AGENCY INC3 Filed as: DAVID MARTIN AGENCY INC. | 6800 FRANCE AVE S., STE 735 EDINA, MN 55435 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $920 | $19K | 15.75% |
| DAVID MARTIN AGENCY INC3 Filed as: DAVID MARTIN AGENCY INC. | 6800 FRANCE AVE S., STE 735 EDINA, MN 55435 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $592 | $6K | 7.91% |
| CARUTH, JENNON, M3 | 6400 FLYING CLOUD DR, STE 215 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $232 | $2K | 8.37% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $597 | — | $597 | 2.47% |
| DAVID MARTIN AGENCY INC3 Filed as: DAVID MARTIN AGENCY INC. | 6800 FRANCE AVE S., STE 735 EDINA, MN 55435 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.05% |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $26K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 493 | $307K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 493 | $185K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 325 | $79K |
| Other(4 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 493 | $489K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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.