| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEL FOSTER CO., INC3 Filed as: MEL FOSTER CO INSURANCE INC | 3218 EAST 35TH STREET CT DAVENPORT, IA 52807 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $40K | $40K | 3.11% |
| MUTUAL MED INS SERVICES LLC3 | 4321 EAST 60TH STREET DAVENPORT, IA 52807 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 0.54% |
| MEL FOSTER CO., INC3 Filed as: MEL FOSTER COMPANY INSURANCE, INC. | 3218 EAST 35TH STREET CT DAVENPOPRT, IA 52807 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 11.33% |
| MUTUAL MED INSURANCE SERVICES3 | 4321 EAST 60TH STREET DAVENPORT, IA 52807 | VERATRUS BUSINESS SOLUTIONS | $1K | — | $1K | 5.83% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 245 | $1.3M |
| Vision | VERATRUS BUSINESS SOLUTIONS | 125 | $21K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 141 | $56K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 141 | $56K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 141 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.