| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $11K | $50K | 9.03% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES - BOR | 3025 HIGHLAND PARKWAY SUITE 650 DOWNERS GROVE, IL 60515 | COMBINED INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.91% |
| ENROLLEASE3 Filed as: ONE DIGITAL - DOWNERS GROVE, IL | 200 GALLERIA PARKWAY, STE. 1950 ATLANTA, GA 30339 | COMBINED INSURANCE COMPANY OF AMERICA | $806 | — | $806 | 1.15% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VERITAS RISK SERVICES-BOR USE 27237 | 3025 HIGHLAND PARKWAY SUITE 650 DOWNERS GROVE, IL 60515 | COMBINED INSURANCE COMPANY OF AMERICA | $462 | — | $462 | 0.66% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES - BOR | 3025 HIGHLAND PARKWAY SUITE 650 DOWNERS GROVE, IL 60515 | COMBINED INSURANCE COMPANY OF AMERICA | $791 | — | $791 | 2.02% |
| ENROLLEASE3 Filed as: ONE DIGITAL - DOWNERS GROVE, IL | 200 GALLERIA PARKWAY, STE. 1950 ATLANTA, GA 30339 | COMBINED INSURANCE COMPANY OF AMERICA | $453 | — | $453 | 1.16% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VERITAS RISK SERVICES-BOR USE 20237 | 3025 HIGHLAND PARKWAY SUITE 650 DOWNERS GROVE, IL 60515 | COMBINED INSURANCE COMPANY OF AMERICA | $265 | — | $265 | 0.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTH CARE EIN 41-1321939 NONE | Claims processing Service code 12 | — | $304K |
| NORTHERN TRUST COMPANY EIN 36-1561860 TRUSTEE | Custodial (securities); Investment management; Trustee (bank, trust company, or similar financial institution) Service code 19 | — | $34K |
| ROBERT W. BAIRD & COMPANY EIN 39-6037917 ADVISOR | Other services; Consulting fees; Investment advisory (plan); Named fiduciary Service code 27 | — | $34K |
| TOWERS WATSON DELAWARE EIN 53-0181291 NONE | Other services; Actuarial; Consulting (general) Service code 11 | — | $23K |
| MONARCH PARTNERS ASSET MANAGEMENT EIN 27-1468040 NONE | Investment management Service code 28 | — | $20K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Claims processing Service code 12 | — | $19K |
| DELTA DENTAL OF WI EIN 39-6094742 NONE | Claims processing Service code 12 | — | $14K |
| WCM INVESTMENT MGMT EIN 95-3046237 NONE | Investment management Service code 28 | — | $10K |
| NUVEEN ASSET MANAGEMENT EIN 27-4357327 NONE | Investment management Service code 28 | — | $9K |
| KENNEDY CAPITAL MANAGEMENT EIN 43-1225960 NONE | Investment management Service code 28 | — | $6K |
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 | 1,682 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,682 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 1,351 | $1.2M |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 655 | $109K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,682 | $556K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,682 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.