| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | HCC LIFE INSURANCE COMPANY | $6K | — | $6K | 1.19% |
| CARPENTER ROWLAND BATENBURG CO INC3 Filed as: CARPENTER, ROWLAND, BATENBURG | 500 WISCONSIN AVE RACINE, WA 53403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 18.17% |
| CARPENTER ROWLAND BATENBURG CO INC3 Filed as: CARPENTER ROWLAND BATENBURG | 500 WISCONSIN AVE RACINE, WI 53403 | WYSSTA INSURANCE COMPANY INC | $3K | — | $3K | 8.00% |
| CARPENTER ROWLAND BATENBURG CO INC3 Filed as: CARPENTER ROWLAND BATENBURG INC. | 1400 NEWMAN RD RACINE, WI 53406 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 7.19% |
| CARPENTER ROWLAND BATENBURG CO INC3 Filed as: CARPENTER, ROWLAND, BATENBURG CO. | 500 WISCONSIN AVE RACINE, WI 53403 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $692 | — | $692 | 4.76% |
| CARPENTER ROWLAND BATENBURG CO INC3 Filed as: CARPENTER, ROWLAND, BATENBURG | 500 WISCONSIN AVE RACINE, WI 53403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX,INC EIN 33-0441200 PHARMACY BENEFIT MGMT | Float revenue; Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $433K |
| UMR,INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $240K |
| LOCKTON COMPANIES,LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | — | $101K |
| THE HEALTH PLAN OF THE UPPER OHIO EIN 55-0585592 RECORDKEEPING | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $18K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMIN | Contract Administrator Service code 13 | — | $14K |
| CARPENTER ROWLAND BATENBURG INSURANCE AGENT/BROKER | Insurance agents and brokers Service code 22 | 500 WISCONSIN AVE RACINE, WI 53403 | $4K |
| OPTUMRX, INC. | Other fees; Claims processing; Float revenue; Direct payment from the plan Service code 12 | — | $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 | 400 | 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) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 200 | $33K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 380 | $61K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 70 | $15K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 380 | $61K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 297 | $943K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 380 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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.