| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 541362142 | UNITEDHEALTHCARE INSURANCE COMPANY | $428K | — | $428K | 15.01% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $76K | $44K | $120K | 15.83% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $70K | $44K | $114K | 16.22% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $150K | $22K | $172K | 45.30% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GRP LLC | ATTN COMMISSIONS DEPT 711 EISENHOWER DR KIMBERLY, WI 54136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $116K | $18K | $134K | 41.50% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | EYE MED | $27K | — | $27K | 10.00% |
| JOHN EDWARD HALPIN3 | AON RSI SERVICES CENTRAL-DETROIT 3000 TOWN CENTER DTE 290003 SOUTHFIELD, MI 48073 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $7K | — | $7K | 3.68% |
| JODI ROTH3 Filed as: JODI ROTH RALPH C WILSON AGENCY INC | 26026 TELEGRAPH STE 100 SOUTHFIELD, MI 48033 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 0.75% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 16.70% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DR KIMBERLY, WI 54136 | EYE MED | $71 | — | $71 | 9.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $3.0M |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMINISTRATO | Contract Administrator Service code 13 | — | $146K |
| LINCOLN NATIONAL LIFE INSURANCE COM EIN 35-0472300 CLAIMS PROCESSING | Claims processing Service code 12 | — | $128K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 THIRD PARTY ADMINISTRATO | Contract Administrator; Claims processing Service code 12 | — | $37K |
| ASSOCIATED BENEFITS & RISK CON INSURANCE AGENT OR BROKE | Insurance agents and brokers Service code 22 | 711 EISENHOWER DR KIMBERLY, WI 54136 | $31K |
| ASSOCIATED FINANCIAL GROUP LLC EIN 91-2189930 BROKER | Insurance agents and brokers; Other commissions Service code 22 | 711 EISENHOWER DR KIMBERLY, WI 54136 | $2K |
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 | 5,587 | 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) | 5,587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 70 | $745K |
| Dental(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 70 | $554K |
| Vision(3 contracts, 2 carriers) | EYE MED | 8,216 | $324K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,679 | $789K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,829 | $700K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 70 | $554K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 8,591 | $2.9M |
| Other(6 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,679 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,591 | — |
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.