| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | BCBSMN, INC. DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $68K | — | $68K | 4.92% |
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | BCBSMN, INC. DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $6K | — | $6K | 0.40% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | DELTA DENTAL OF MINNESOTA | $5K | — | $5K | 5.72% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | DELTA DENTAL OF MINNESOTA | $4K | — | $4K | 5.10% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.33% |
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $773 | $923 | $2K | 6.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - MTN | PO BOX 62817 VIRGINIA BEACH, VA 234662817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.84% |
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $165 | $653 | $818 | 4.08% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $503 | — | $503 | 2.51% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 234662817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $336 | — | $336 | 1.67% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 12.75% |
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $730 | $537 | $1K | 7.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - MTN | PO BOX 62817 VIRGINIA BEACH, VA 234662817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.69% |
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | VISION SERVICE PLAN | $988 | — | $988 | 6.53% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | VISION SERVICE PLAN | $531 | — | $531 | 3.51% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $677 | — | $677 | 7.52% |
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $221 | $291 | $512 | 5.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - MTN | PO BOX 62817 VIRGINIA BEACH, VA 234662817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $452 | — | $452 | 5.02% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $698 | — | $698 | 8.26% |
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $211 | $338 | $549 | 6.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 234662817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $358 | — | $358 | 4.24% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $578 | — | $578 | 8.04% |
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $167 | $387 | $554 | 7.71% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - MTN | PO BOX 62817 VIRGINIA BEACH, VA 234662817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $333 | — | $333 | 4.63% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSMN, INC. DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 183 | $1.4M |
| Dental | DELTA DENTAL OF MINNESOTA | 230 | $87K |
| Vision | VISION SERVICE PLAN | 125 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $25K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $20K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
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.