| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UNITED HEALTHCARE INSURANCE CO | — | UNITED HEALTHCARE INSURANCE COMPANY | — | $195K | $195K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NATIONAL EMPLOYEE BENEFIT ADMIN EIN 65-0498809 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $456K |
| LAPADULA CARLSON + CO EIN 65-0292391 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $64K |
| UNITED ACTUARIAL SERVICES INC EIN 35-2156428 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $40K |
| GODWIN MORRIS LAURENZI & BLOOMFIELD EIN 62-1371542 NONE | Legal; Direct payment from the plan Service code 29 | — | $23K |
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 | 2,381 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 0 | $76K |
| Life insurance | METLIFE | 1,933 | $84K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 1,303 | $638K |
| Other | METLIFE | 1,933 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,933 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.