| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | MEDICA INSURANCE COMPANY | $34K | — | $34K | 11.14% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | MEDICA INSURANCE COMPANY | -$40 | — | -$40 | -0.01% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | DELTA DENTAL | $2K | — | $2K | 1.14% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DR MINNETONKA, WI 55343 | DELTA DENTAL | $7 | — | $7 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | DELTA DENTAL | -$14 | — | -$14 | -0.01% |
| ASSOCIATED BENEFITS & RISK CONSULTI3 | 6000 CLEARWATER DR MINNETONKA, MN 55343 | UNION SECURITY INSURANCE COMPANY | $16K | $2K | $18K | 19.76% |
| ASSOCIATED BENEFITS & RISK CONSULTI3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $938 | $4K | 13.06% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | EYEMED VISION CARE - FIDELITY SECRUITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.55% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 188 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 526 | $154K |
| Vision | EYEMED VISION CARE - FIDELITY SECRUITY LIFE INSURANCE COMPANY | 301 | $25K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 324 | $92K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 80 | $31K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 324 | $92K |
| Stop-loss / reinsurancereinsurance | MEDICA INSURANCE COMPANY | 425 | $307K |
| Other | UNION SECURITY INSURANCE COMPANY | 324 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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.