| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AHMANN MARTIN3 | 12600 WHITEWATER DR STE 100 HOPKINS, MN 55343 | DELTA DENTAL OF COLORADO | $2K | — | $2K | 2.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 80222 | DELTA DENTAL OF COLORADO | $782 | — | $782 | 0.98% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DR KIMBERLY, WI 54136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $3K | 10.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.80% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DR KIMBERLY, WI 54136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $2K | $3K | 16.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $593 | — | $593 | 3.37% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DR KIMBERLY, WI 541362142 | VISION SERVICE PLAN | $530 | — | $530 | 5.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 480842814 | VISION SERVICE PLAN | $183 | — | $183 | 1.97% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DR KIMBERLY, WI 54136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $121 | $251 | $372 | 16.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $101 | — | $101 | 4.57% |
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 | 243 | 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) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 272 | $80K |
| Vision | VISION SERVICE PLAN | 89 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 244 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 243 | $30K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 244 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.