| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 | MARY GOSZ MAIL STOP 7320 11 SCOTT STREET, SUITE 100 WAUSAU, WA 544034888 | RELIASTAR LIFE INSURANCE COMPANY | — | $31K | $31K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET CAPITAL TOWERS NORTH, SUITE 200 CHARLOTTE, NC 28209 | SYMETRA LIFE INSURANCE COMPANY | $27K | — | $27K | 6.31% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | DEPT CH 14061 PALATINE, IL 60054 | SYMETRA LIFE INSURANCE COMPANY | $12K | — | $12K | 2.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 606945287 | VISION SERVICE PLAN | $2K | — | $2K | 2.64% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 207640 DALLAS, TX 735204640 | VISION SERVICE PLAN | $421 | — | $421 | 0.65% |
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 | 525 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 485 | $65K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 796 | $424K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 796 | $424K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 796 | $424K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 497 | $1.0M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 796 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 796 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.