| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC | DAVID A MARTIN 6000 CLEARWATER DR MINNETONKA, MN 55343 | MEDICA INSURANCE COMPANY | $51K | $0 | $51K | 2.49% |
| AHMANN MARTIN3 Filed as: AHMANN & MARTIN CO | DAVID A MARTIN 8000 NORMAN CENTER DR BLOOMINGTON, MN 55437 | MEDICA INSURANCE COMPANY | $17 | $3K | $3K | 0.17% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC | 6000 CLEARWATER DR MINNETONKA, MN 55343 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 7.43% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC | PO BOX 640 GREENBAY, WI 54305 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 1.52% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC | 711 EISENHOWER DR KIMBERLY, WI 54136 | DELTA DENTAL OF MINNESOTA | $12K | $0 | $12K | 9.23% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 125 | $2.1M |
| Dental | DELTA DENTAL OF MINNESOTA | 139 | $134K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 145 | $240K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 145 | $240K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 145 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.