| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING RD STE A200 FORT LAUDERDALE, FL 33312 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $141K | $147K | 5.12% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING RD STE A200 FORT LAUDERDALE, FL 33312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| RHONDA S PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.54% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING RD STE A-200 FORT LAUDERDALE, FL 33312 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.94% |
| DANE PAPE3 Filed as: DANE A PAPE | 115 EAST PLATT ST MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.75% |
| COLE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.47% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $662 | $0 | $662 | 1.27% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | TRANSAMERICA LIFE INSURANCE COMPANY | $609 | $0 | $609 | 1.17% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING RD STE A200 FORT LAUDERDALE, FL 33312 | FIDELITY SECURITY LIFE INSURANCE | $3K | $0 | $3K | 9.87% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING RD STE A200 FORT LSUDERDALE, FL 33312 | METLIFE LEGAL PLANS | $901 | $0 | $901 | 10.07% |
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 | 405 | 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) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 632 | $2.9M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 632 | $2.9M |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 405 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $55K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 162 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 632 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.