| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 | 12600 WHITEWATER DRIVE, SUITE 100 MINNETONKA, MN 55343 | MEDICA INSURANCE COMPANY | $15K | — | $15K | 3.59% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | DELTA DENTAL OF MINNESOTA | $5K | — | $5K | 10.82% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 14.88% |
| ELIZABETH SCHENK3 | 4725 WEST SAND LAKE ROAD ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $312 | $312 | 1.43% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE ROAD ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | -$313 | -$313 | -1.43% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 86 | $411K |
| Dental | DELTA DENTAL OF MINNESOTA | 90 | $47K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 153 | $22K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 153 | $22K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 153 | $22K |
| Prescription drug | MEDICA INSURANCE COMPANY | 86 | $411K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 153 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.