| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG IL, IL 60173 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| EOI SERVICE COMPANY INC3 | 1820E 1ST ST SUITE 400 SANTA ANA, CA 92705 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| UMR, INC. | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| ASSURANCE AGENCY LTD3 | 20 MARTINGALE RD SUITE 100 SCHAUMBURG, IL 60173 | GEISINGER QUALITY OPTIONS, INC. | — | — | $0 | 0.00% |
| ASSURANCE AGENCY LTD3 | 20 MARTINGALE RD SUITE 100 SCHAUMBURG, IL 60173 | GEISINGER HEALTH PLAN | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD STE 100 SCHAMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD STE 100 SCHAMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD STE 100 SCHAMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD STE 100 SCHAMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 1820 E 1ST STE 400 SANTA ANA, CA 92705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| ASSURANCE AGENCY LTD | ONE CENTURY CENTRE 1750 EAST GOLF SCHAUMBURG, IL 60173 | FOUR EVER LIFE INS CO. | — | — | $0 | 0.00% |
| ASSURANCE AGENCY LTD | ONE CENTURY CENTRE 1750 EAST GOLF SCHAUMBURG, IL 60173 | FOUR EVER LIFE INS CO. | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 11 SCOTT STREET WAUSAU, WI 54403 | $691K |
| NATIONAL COOPERATIVERX 04-3775178 | Other fees Service code 99 | — | $22K |
| NATIONAL COOPERATIVERX EIN 04-3775178 PHARMACY BENEFIT CONSULT | Other fees Service code 99 | 5510 RESEARCH PARK DR STE 150 FITCHBURG, WI 53711 | $0 |
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 | 3,605 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | GEISINGER QUALITY OPTIONS, INC. | 45 | $517K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,814 | $1.0M |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,814 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,709 | $257K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $10K |
| Stop-loss / reinsurancereinsurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,500 | $2.1M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $846K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,709 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.