| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED BEN. AND RISK CONSULTING3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | HEALTHPARTNERS, INC. | $5K | — | $5K | 4.08% |
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.97% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.82% |
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $187 | $9K | 16.55% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.82% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $133 | $1K | 7.86% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | METROPOLITAN LIFE INSURANCE COMPANY | $477 | $31 | $508 | 2.84% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.21% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA EACH, VA 234662817 | METROPOLITAN LIFE INSURANCE COMPANY | — | $22 | $22 | 0.12% |
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 | 282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTHPARTNERS, INC. | 376 | $135K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $55K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $83K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $83K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.