| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPEOPLE, INC.3 | 303 2ND STREET SUITE 401 NORTH TOWER SAN FRANCISCO, CA 941071366 | UNITED HEALTHCARE | $14K | — | $14K | 3.61% |
| DUNCAN FINANCIAL, INC.3 | 28W421 GARYS MILL ROAD WINFIELD, IL 601901568 | UNITED HEALTHCARE | $5K | — | $5K | 1.20% |
| VISTA NATIONAL INSURANCE GROUP INC3 Filed as: VISTA NATIONAL INSURANCE GROUP INC. | 1301 W 22ND STREET SUITE 600 OAK BROOK, IL 605232010 | UNITED HEALTHCARE | -$60 | $426 | $366 | 0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD DBA | THE MURPHY INSURANCE GROUP 251 PROGRESS WAY, SUITE 300 WAUNAKEE, WI 53597 | NETWORK HEALTH INC. | $5K | — | $5K | 4.22% |
| DUNCAN FINANCIAL, INC.3 Filed as: DUNCAN FINANCIAL INC. | 28W421 GARYS MILL ROAD WINFIELD, IL 60190 | NETWORK HEALTH INC. | $2K | — | $2K | 1.41% |
| THE HANSON GROUP3 Filed as: HANSON BENEFITS | 5601 GRANDE MARKET DRIVE SUITE A APPLETON, WI 549138511 | NETWORK HEALTH INC. | $787 | — | $787 | 0.71% |
| YOURPEOPLE, INC.3 | 303 2ND STREET, NORTH TOWER SUITE 450 SAN FRANCISCO, CA 94107 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.92% |
| DUNCAN FINANCIAL, INC.3 | 28 W 421 GARYS MILLS ROAD WINFIELD, IL 60190 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $360 | — | $360 | 2.74% |
| VISTANATIONAL INSURANCE GROUP3 | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$87 | — | -$87 | -0.66% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE | 102 | $510K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 35 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.