| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING RD STE A200 FORT LAUDERDALE, FL 33312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $187K | $202K | 6.18% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING RD STE A200 FORT LAUDERDALE, FL 33312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $6K | $23K | 9.61% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING RD STE A200 FORT LAUDERDALE, FL 33312 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.87% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.97% |
| RHONDA S PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $120 | $0 | $120 | 0.30% |
| DANE PAPE3 Filed as: DANE A PAPE | 115 EAST PLATT ST MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $66 | $0 | $66 | 0.16% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | TRANSAMERICA LIFE INSURANCE COMPANY | $54 | $0 | $54 | 0.13% |
| LOGAN MONDSHEIN3 | SUITE A-200 2599 STIRLING ROAD FORT LAUDERDALE, FL 33312 | TRANSAMERICA LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.04% |
| COLE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.04% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING RD STE A200 FORT LAUDERDALE, FL 33312 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 10.22% |
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 | 352 | 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) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $3.3M |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 352 | $234K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 352 | $234K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 352 | $234K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 352 | $234K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 352 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.