| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 6000 CLEARWATER DRIVE MINNETONIKA, MN 553439448 | MEDICA INSURANCE COMPANY | $53K | $5K | $58K | 1.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - MINNEAPOLIS | 8200 TOWER SUITE 1100 5600 W 83RD STREET MINNEAPOLIS, MN 554371024 | MEDICA INSURANCE COMPANY | $42K | — | $42K | 1.42% |
| AHMANN MARTIN3 Filed as: AHMANN & MARTIN CO | 7555 MARKET PLACE DRIVE EDEN PRAIRE, MN 553443637 | MEDICA INSURANCE COMPANY | $9K | — | $9K | 0.30% |
| DAVID MARTIN AGENCY INC3 | 12600 WHITEWATER DRIVE SUITE 100 HOPKINS, MN 553439450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | — | $22K | 10.81% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 4.19% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 0.75% |
| DAVID MARTIN AGENCY INC3 | 12600 WHITEWATER DRIVE SUITE 100 HOPKINS, MN 55343 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 7.20% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 2.80% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $937 | $937 | 0.74% |
| DAVID MARTIN AGENCY INC3 Filed as: DAVID MARTIN AGENCY | 12600 WHITEWATER DRIVE SUITE 100 HOPKINS, MN 55343 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 10.64% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.36% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $521 | $521 | 0.76% |
| AHMANN MARTIN3 Filed as: AHMANN-MARTIN RISK & BEN CONS. | 7555 MARKET PLACE DRIVE EDEN PRAIRE, MN 553443637 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 4.01% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $652 | — | $652 | 1.50% |
| AHMANN MARTIN3 Filed as: AHMANN-MARTIN RISK & BEN CONS | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $227 | — | $227 | 0.52% |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 484 | $3.0M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 364 | $43K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 364 | $204K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 361 | $127K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 361 | $68K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 364 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.