| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 6000 CLEARWATER DR MINNETONKA, MN 55343 | HARTFORD LIFE AND ACCIDENT | $65K | $18K | $82K | 8.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $73K | $4K | $77K | 7.90% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 6000 CLEARWATER DR MINNETONKA, MN 55343 | HARTFORD LIFE AND ACCIDENT | $12K | $8K | $20K | 5.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $14K | $1K | $16K | 4.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IA 60674 | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 4.03% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54156 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 3.81% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, MN 54136 | EYEMED | $4K | — | $4K | 4.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED | $3K | — | $3K | 4.18% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | EYEMED | $3K | — | $3K | 4.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | EYEMED | $3K | — | $3K | 4.17% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER KIMBERLY, MN 54136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, MN 54136 | EYEMED | $71 | — | $71 | 5.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED | $54 | — | $54 | 3.89% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | EYEMED | $42 | — | $42 | 5.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED | $34 | — | $34 | 4.48% |
| AHMANN MARTIN3 Filed as: AHMANN-MARTIN | 12600 WHITEWATER DR #100 MINNETOKA, MN 10131 | EYEMED | -$2 | — | -$2 | -0.26% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DR KIMBERLY, WI 54136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $561 | $561 | — |
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 | 3,065 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 95 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 60 | $269K |
| Dental | AETNA LIFE INSURANCE COMPANY | 60 | $269K |
| Vision(5 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,289 | $405K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 1,385 | $1.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,385 | $976K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,065 | $986K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,065 | — |
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.