| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT SOLUTIONS3 Filed as: INNOVATIVE BENEFIT SOLUTIONS, INC. | 11057 N TOWNE SQUARE ROAD MEQUON, WI 53092 | EXPRESS SCRIPTS, INC | $5K | — | $5K | 4.60% |
| INNOVATIVE BENEFIT SOLUTIONS3 Filed as: INNOVATIVE BENEFIT SOLUTIONS, INC. | 11057 N TOWNE SQUARE ROAD MEQUON, WI 53092 | EXPRESS SCRIPTS, INC | $1K | — | $1K | 4.69% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 149 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED AMERICAN INSURANCE COMPANY | 84 | $380K |
| Prescription drug(2 contracts) | EXPRESS SCRIPTS, INC | 87 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 87 | — |
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."
No prospect flags tripped on this filing.