| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARKER, PRUDENCE A3 | 604 PLEASANT ST STE 110 BELOIT, WI 53511 | HUMANADENTAL INSURANCE COMPANY | $5K | — | $5K | 2.72% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE HOUSTON, TX 77043 | HUMANADENTAL INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| PRUDENCE HARKER3 | 604 PLEASANT ST STE 110 BELOIT, WI 53511 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.49% |
| PRUDENCE HARKER3 | 604 PLEASANT ST STE 110 BELOIT, WI 53511 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.32% |
| PRUDENCE HARKER3 | 604 PLEASANT ST STE 110 BELOIT, WI 53511 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROFESSIONAL BENEFIT ADMINISTRATORS CLAIM PROCESSING | Contract Administrator; Claims processing Service code 12 | 900 JORIE BLVD #250 OAK BROOK, IL 60523 | $68K |
| LIFECIRCLE CONSULTING | Consulting (general) Service code 16 | 604 PLEASANT ST SUITE 110 BELOIT, WI 53511 | $62K |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 471 | $22K |
| Dental(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 471 | $188K |
| Vision(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 471 | $188K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $11K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 211 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 78 | $9K |
| Other(3 contracts, 3 carriers) | UNIMERICA INSURANCE COMPANY | 471 | $583K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.