| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL GENERAL INSURANCE COMPANY3 | 1515 NORTH RIVERCENTER DR, STE 135 MILWAUKEE, WI 53212 | NATIONAL HEALTH INSURANCE COMPANY | — | $78K | $78K | 84.71% |
| PETER A. KROLL3 | 445 LAKE STREET EAST, SUITE 200 WAYZATA, MN 55391 | NATIONAL HEALTH INSURANCE COMPANY | $27K | — | $27K | 29.45% |
| MN BENEFITS ADVISORY GROUP, INC.3 | 445 LAKE STREET EAST, SUITE 200 WAYZATA, MN 55391 | DDMN ASO, LLC | $569 | — | $569 | 1.53% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | DDMN ASO, LLC | $7 | — | $7 | 0.02% |
| MN BENEFITS ADVISORY GROUP, INC.3 Filed as: MN BENEFITS ADVISORY GROUP INC | 445 LAKE STREET EAST, SUITE 200 WAYZATA, MN 55391 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LTD) | $3K | — | $3K | 15.00% |
| MN BENEFITS ADVISORY GROUP, INC.3 Filed as: MN BENEFITS ADVISORY GROUP INC | 445 LAKE STREET EAST, SUITE 200 WAYZATA, MN 55391 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE & AD&D - VOLUNTARY) | $1K | — | $1K | 10.00% |
| MN BENEFITS ADVISORY GROUP, INC.3 Filed as: MN BENEFITS ADVISORY GROUP INC | 445 LAKE STREET EAST, SUITE 200 WAYZATA, MN 55391 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE & AD&D) | $935 | — | $935 | 10.00% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONAL HEALTH INSURANCE COMPANY | 1 | $93K |
| Dental | DDMN ASO, LLC | 139 | $37K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE & AD&D) | 144 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY (LTD) | 140 | $18K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE & AD&D - VOLUNTARY) | 144 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.