| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $36K | $36K | 2.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 11.32% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | $1K | $0 | $1K | 8.89% |
| MOR STRATEGY, INC.3 | 21306 WILDFLOWER COURT MAGNOLIA, TX 77354 | TRANSAMERICA LIFE INSURANCE COMPANY | $713 | $0 | $713 | 6.90% |
| USI INSURANCE SERVICES LLC3 | 100 NORTH CORPORATE DRIVE SUITE 100 BROOKFIELD, WI 53045 | TRANSAMERICA LIFE INSURANCE COMPANY | $445 | $0 | $445 | 4.31% |
| MOLLY M. SCHOOL3 | 5815 SOUTH 238TH STREET ELKHORN, NE 68022 | TRANSAMERICA LIFE INSURANCE COMPANY | $304 | $0 | $304 | 2.94% |
| SETH HOBART3 | 5310 MISSION WOODS ROAD MISSION WOODS, KS 66205 | TRANSAMERICA LIFE INSURANCE COMPANY | $60 | $0 | $60 | 0.58% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62187 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | $681 | $0 | $681 | 15.00% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $1.6M |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | 240 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $105K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $105K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $105K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $1.6M |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.