| 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 | $16K | $194K | $210K | 6.18% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING RD STE A200 FORT LAUDERDALE, FL 33312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $7K | $25K | 9.30% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING RD STE A200 FORT LAUDERDALE, FL 33312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.88% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING RD STE A200 FORT LAUDERDALE, FL 33312 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.37% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.35% |
| RHONDA S PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.13% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | TRANSAMERICA LIFE INSURANCE COMPANY | $27 | $0 | $27 | 0.08% |
| DANE PAPE3 Filed as: DANE A PAPE | 115 EAST PLATT ST MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $24 | $0 | $24 | 0.07% |
| ASSOCIATED FINANCIAL CONSULTANTS3 | 2699 STIRLING RD STE A200 FORT LAUDERDALE, FL 33312 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 10.10% |
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 | 341 | 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) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 260 | $3.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 260 | $3.4M |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 341 | $268K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 341 | $268K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 341 | $268K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 341 | $268K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,044 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,044 | — |
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.