| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DR MINNETONKA, MN 55343 | SYMETRA LIFE INSURANCE COMPANY | $19K | $2K | $21K | 15.27% |
| ALDRICH BENEFITS LP3 | 680 HAWTHORNE AVE SE SUITE 140 SALEM, OR 97301 | SYMETRA LIFE INSURANCE COMPANY | — | $783 | $783 | 0.56% |
| NATIONAL BENEFITS CENTER LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | SYMETRA LIFE INSURANCE COMPANY | — | $783 | $783 | 0.56% |
| SELECT NETWORKS3 | 317 6TH AVENUE, STE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 11.99% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.90% |
| PROFESSIONAL INSURANCE PLANNERS3 | 7103 CHANCELLOR CEDAR FALLS, IA 50613 | DELTA DENTAL OF IOWA | $2K | $451 | $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 | 321 | 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) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 314 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 446 | $40K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 321 | $141K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 321 | $141K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 321 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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.