| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UMR | 5151 PFEIFFER RD, ML 400, PFEIFFER CINCINNATI, OH 45242 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $13K | $13K | 0.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $782K |
| QUANTUM HEALTH EIN 31-1634033 NONE | Recordkeeping fees; Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $501K |
| WAICU EIN 39-1039417 EMPLOYEE ORG | Accounting (including auditing); Direct payment from the plan; Plan Administrator; Named fiduciary; Employee (plan) Service code 10 | — | $431K |
| MILLIMAN NONE | Contract Administrator Service code 13 | 1301 FIFTH AVENUE, SUITE 3800 SEATTLE, WA 98101 | $95K |
| MICHAEL BEST & FRIEDRICH EIN 39-0934985 NONE | Legal; Direct payment from the plan; Consulting fees Service code 29 | — | $52K |
| ASSOCIATED BANK EIN 39-1564826 NONE | Investment management fees paid indirectly by plan; Direct payment from the plan; Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $50K |
| DELTA DENTAL OF WISCONSIN, INC EIN 39-6094742 NONE | Contract Administrator; Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 13 | — | $50K |
| BAKER TILLY VIRCHOW KRAUSE, LLP EIN 39-0859910 NONE | Accounting (including auditing) Service code 10 | — | $22K |
| CAREMARK EIN 05-0340626 NONE | Direct payment from the plan; Contract Administrator; Recordkeeping fees Service code 13 | — | $8K |
| FOND DU LAC AREA HEALTH PLAN EIN 39-1745194 NONE | Direct payment from the plan; Contract Administrator; Recordkeeping fees Service code 13 | — | $7K |
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 | 1,507 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 97 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,625 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,625 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.