| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT SOLUTIONS3 | 11057 N TOWNE SQUARE ROAD MEQUON, WI 53092 | UNITED AMERICA INSURANCE COMPANY | $228K | — | $228K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI INC. | 400 N EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WI 53005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $55K | — | $55K | 7.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | 100 NORTH SIXTH STREET BUTLER SQ. STE. 650-C MINNEAPOLIS, MN 55403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 0.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI INC. | 400 N EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WI 53005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 4.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | 100 NORTH SIXTH STREET BUTLER SQ, STE. 650-C MINNEAPOLIS, MN 55403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC. | 400 N EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WI 53005 | SUNLIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 15.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | 100 NORTH SIXTH STREET BUTLER SQ. STE. 650-C MINNEAPOLIS, MN 55403 | SUNLIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 5.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | ZURICH AMERICAN INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| HGROUP BENEFITS INC3 Filed as: HGROUP BENEFITS INC. | 899 SKOKIE BLVD. SUITE 240 NORTHBROOK, IL 60062 | UNION SECURITY INSURANCE COMPANY | $793 | — | $793 | 10.00% |
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 | 2,594 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 651 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICA INSURANCE COMPANY | 790 | $3.8M |
| Dental | UNION SECURITY INSURANCE COMPANY | 43 | $8K |
| Vision | VISION SERVICE PLAN | 1,090 | $161K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,413 | $772K |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,712 | $58K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,640 | $180K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,413 | $788K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,413 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.