| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFG DBA ASSOCIATED BENEFITS & RISK3 Filed as: AFG DBA ASSOC. BEN. AND RISK CON. | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | PREFERREDONE INSURANCE COMPANY | $27K | — | $27K | 3.17% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 8407 73RD AVENUE NORTH BROOKLYN PARK, MN 55428 | PREFERREDONE INSURANCE COMPANY | $17K | — | $17K | 1.99% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | DDMN ASO, LLC | $972 | — | $972 | 2.69% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 12600 WHITEWATER DR STE 100 MINNETONKA, MN 55343 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LTD) | $3K | $1K | $4K | 21.21% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LTD) | — | $669 | $669 | 3.66% |
| MN BENEFITS ADVISORY GROUP, INC.3 Filed as: MN BENEFITS ADVISORY GROUP INC | 445 LAKE ST E STE 200 WAYZATA, MN 55391 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LTD) | $202 | — | $202 | 1.10% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 12600 WHITEWATER DR STE 100 MINNETONKA, MN 55343 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE & AD&D - VOLUNTARY) | $1K | $944 | $2K | 15.85% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE & AD&D - VOLUNTARY) | — | $472 | $472 | 3.30% |
| MN BENEFITS ADVISORY GROUP, INC.3 Filed as: MN BENEFITS ADVISORY GROUP INC | 445 LAKE ST E STE 200 WAYZATA, MN 55391 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE & AD&D - VOLUNTARY) | $107 | — | $107 | 0.75% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 12600 WHITEWATER DR STE 100 MINNETONKA, MN 55343 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE & AD&D) | $941 | $727 | $2K | 16.38% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE & AD&D) | — | $363 | $363 | 3.56% |
| MN BENEFITS ADVISORY GROUP, INC.3 Filed as: MN BENEFITS ADVISORY GROUP INC | 445 LAKE ST E STE 200 WAYZATA, MN 55391 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE & AD&D) | $77 | — | $77 | 0.76% |
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 | 180 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREFERREDONE INSURANCE COMPANY | 127 | $861K |
| Dental | DDMN ASO, LLC | 136 | $36K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE & AD&D) | 142 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY (LTD) | 180 | $18K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE & AD&D - VOLUNTARY) | 142 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.