| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUSTIN ROSSOW3 | ASSOCIATED BENEFITS AND RISK CONSUL 6000 CLEARWATER DR MINNETONKA, MN 55343 | HEALTHPARTNERS, INC. | $78K | $120 | $78K | 2.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI/ASSOCIATED FINANCIAL GROUP LLC | 6000 CLEARWATER DR MINNETONKA, MN 553439448 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $4K | $38K | 10.45% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DR MINNETONKA, MN 553439448 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $174 | $2K | 14.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI / ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | EYEMED VISION CARE | $2K | — | $2K | — |
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 | 402 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHPARTNERS, INC. | 405 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 641 | $361K |
| Vision | EYEMED VISION CARE | 377 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 641 | $361K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 641 | $361K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 641 | $361K |
| Other(2 contracts, 2 carriers) | HEALTHPARTNERS, INC. | 641 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 641 | — |
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."
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.