| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | QBE INSURANCE CORPORATION | — | $755K | $755K | 41.83% |
| EOI SERVICE COMPANY INC Filed as: EOI SERVICE COMPANY | 3100 E MIRALOMA AVE STE 240 AAHEIM, CA 92806 | RELIASTAR LIFE INSURANCE COMPANY- VOYA FINANCIAL | $197K | — | $197K | 22.86% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY- VOYA FINANCIAL | — | $8K | $8K | 0.89% |
| EOI SERVICE COMPANY INC3 | 3100 E MIRALOMA AVE SUITE 240 ANAHEIM, CA 92806 | QBE INSURANCE | — | — | $0 | 0.00% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 50265 | QBE INSURANCE | — | — | $0 | 0.00% |
| DAVIDSON JAMES DUNCAN3 | 1820 E FIRST STREET SUITE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY- ALLSTATE BENEFITS | $176K | — | $176K | 35.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | GEISINGER HEALTH PLAN | — | $6K | $6K | 3.71% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD | 20 NORTH MARTINGALE ROAD 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 | — | $2K | $2K | 36.36% |
| ASSURANCE AGENCY LTD3 | 20 NORTH MARTINGALE ROAD SCHAUMBURG, IL 60173 | AETNA LIFE INSURANCE COMPANY | — | — | $0 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD STE 100 SCHAMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY- VOYA FINANCIAL | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 11 SCOTT STREET WAUSAU, WI 54403 | $755K |
| NATIONAL COOPERATIVERX EIN 04-3775178 PHARMACY BENEFIT CONSULT | Other fees Service code 99 | 2418 CROSSROADS DR STE 2600 MADISON, WI 53718 | $22K |
| NATIONAL COOPERATIVERX 04-3775178 | Other fees Service code 99 | — | $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 | 2,259 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | GEISINGER QUALITY OPTIONS, INC. | 10 | $455K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 10 | $997K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 10 | $997K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY- ALLSTATE BENEFITS | 0 | $884K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $105K |
| Prescription drug | NATIONAL COOPERATIVE RX | 0 | $0 |
| Other(7 contracts, 4 carriers) | QBE INSURANCE CORPORATION | 1,493 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,493 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.