| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIZANCE, INC.3 Filed as: VIZANCE INC. | 1320 WALNUT RIDGE DRIVE SUITE 200 HARTLAND, WI 53029 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.17% |
| VIZANCE, INC.3 Filed as: VIZANCE INC. | 1320 WALNUT RIDGE DRIVE SUITE 200 HARTLAND, WI 53029 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT ALLIANT LLC | 5555 N PORT WASHINGTON ROAD SUITE 303 MILWAUKEE, WI 532174928 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 9.88% |
| VIZANCE, INC.3 Filed as: VIZANCE INC. | 1320 WALNUT RIDGE DRIVE SUITE 200 HARTLAND, WI 53029 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC. EIN 39-1995276 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | P.O. BOX 1087 WAUSAU, WI 544021087 | $31K |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 94 | $11K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 122 | $17K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 96 | $12K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 122 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.