| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE, DEPT 1926 NORTHERN TRUST BANK CHICAGO, IL 60675 | ING RELIASTAR LIFE INSURANCE COMPANY | $137K | — | $137K | 6.73% |
| UMR, INC.3 | 11 SCOTT STREET STE 100 WAUSAU, WI 54403 | ING RELIASTAR LIFE INSURANCE COMPANY | — | $24K | $24K | 1.19% |
| AON CONSULTING INC3 Filed as: AON - HEWITT | PO BOX 905494 CHARLOTTE, NC 282905494 | EYEMED VISION INSURANCE | $16K | — | $16K | 9.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $858K |
| OPTUMRX,INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Claims processing; Float revenue Service code 12 | — | $216K |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $126K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMINISTRATO | Contract Administrator Service code 13 | — | $61K |
| AON RISK SERVICES EIN 36-4279204 BROKER | Other commissions Service code 55 | — | $2K |
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 | 2,133 | 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) | 2,133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION INSURANCE | 2,133 | $173K |
| Life insurance | ING RELIASTAR LIFE INSURANCE COMPANY | 1,815 | $2.0M |
| Short-term disability | ING RELIASTAR LIFE INSURANCE COMPANY | 1,815 | $2.0M |
| Long-term disability | ING RELIASTAR LIFE INSURANCE COMPANY | 1,815 | $2.0M |
| Stop-loss / reinsurancereinsurance | ING RELIASTAR LIFE INSURANCE COMPANY | 1,815 | $2.0M |
| Other | ING RELIASTAR LIFE INSURANCE COMPANY | 1,815 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,133 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.