| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHEELER ASSOCIATES3 Filed as: WHEELER FINANCIAL SERVICES INC | 324 W SUPERIOR ST STE 100 DULUTH, MN 55802 | STARMOUNT LIFE INSURANCE COMPANY | $25K | $4K | $29K | 5.14% |
| WHEELER ASSOCIATES3 Filed as: WHEELER FINANCIAL SERVICES INC | 324 W SUPERIOR ST STE 1000 DULUTH, MN 55802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $16K | 4.29% |
| WHEELER ASSOCIATES3 Filed as: WHEELER FINANCIAL SERVICES INC | 324 W SUPERIOR ST STE 1000 DULUTH, MN 55802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $692 | $27K | 27.38% |
| WHEELER ASSOCIATES3 Filed as: WHEELER FINANCIAL SERVICES INC | 324 W SUPERIOR ST STE 1000 DULUTH, MN 55802 | UNUM INSURANCE COMPANY | $5K | $515 | $5K | 9.93% |
| WHEELER ASSOCIATES3 Filed as: WHEELER FINANCIAL SERVICES INC | 324 W SUPERIOR ST STE 100 DULUTH, MN 55802 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | $0 | $4K | 9.94% |
| WHEELER ASSOCIATES3 Filed as: WHEELER FINANCIAL SERVICES INC | 324 W SUPERIOR ST STE 1000 DULUTH, MN 55802 | UNUM INSURANCE COMPANY | $5K | $377 | $5K | 12.98% |
| WHEELER ASSOCIATES3 Filed as: WHEELER FINANCIAL SERVICES INC | 324 W SUPERIOR ST STE 1000 DULUTH, MN 55802 | UNUM INSURANCE COMPANY | $3K | $328 | $4K | 11.01% |
| WHEELER ASSOCIATES3 Filed as: WHEELER FINANCIAL SERVICES INC | 324 W SUPERIOR ST STE 1000 DULUTH, MN 55802 | UNUM INSURANCE COMPANY | $3K | $311 | $3K | 11.07% |
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 | 828 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 828 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UNUM INSURANCE COMPANY | 264 | $120K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 1,315 | $554K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,315 | $554K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 828 | $475K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 828 | $375K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 828 | $375K |
| Other(7 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 828 | $672K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,315 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.