| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | PREFERREDONE ADMINISTRATIVE SERVICES, INC | $31K | — | $31K | 9.70% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | DELTA DENTAL | $959 | — | $959 | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 5600 CAMERATA WAY ST. PAUL, MN 55416 | DELTA DENTAL | $755 | — | $755 | 0.47% |
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DR MINNETONKA, MN 55343 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 9.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 6000 CLEARWATER DR MINNETONKA, MN 55343 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 7.64% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | EYEMED VISION CARE - FIDELITY SECRUITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF, A MARSH & MCLENNAN AGENCY LLC | 7225 NORTHLAND DRIVE N #300 MINNEAPOLIS, MN 55428 | EYEMED VISION CARE - FIDELITY SECRUITY LIFE INSURANCE COMPANY | $1K | — | $1K | 4.08% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREFERREDONE ADMINISTRATIVE SERVICES, INC | 476 | $315K |
| Dental | DELTA DENTAL | 555 | $161K |
| Vision | EYEMED VISION CARE - FIDELITY SECRUITY LIFE INSURANCE COMPANY | 343 | $29K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 444 | $152K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 444 | $152K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 444 | $152K |
| Prescription drug | PREFERREDONE ADMINISTRATIVE SERVICES, INC | 476 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 555 | — |
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.