| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARPENTER ROWLAND BATENBURG CO INC3 | 500 WISCONSIN AVE RACINE, WI 53403 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 12.09% |
| EUCLID INSURANCE SERVICES INC5 | 234 SPRING LAKE DR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 8.69% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 25.62% |
| CARPENTER ROWLAND BATENBURG CO INC3 | 500 WISCONSIN AVE RACINE, WI 53403 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.98% |
| EUCLID INSURANCE SERVICES INC5 | 234 SPRING LAKE DR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.13% |
| CARPENTER ROWLAND BATENBURG CO INC3 Filed as: CARPENTER ROWLAND BATENBURG | 500 WISCONSIN AVE 1ST FL RACINE, WI 53403 | WYSSTA INSURANCE COMPANY INC | $4K | — | $4K | 8.35% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 15.45% |
| CARPENTER ROWLAND BATENBURG CO INC3 | 500 WISCONSIN AVE RACINE, WI 53403 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.62% |
| EUCLID INSURANCE SERVICES INC5 | 234 SPRING LAKE DR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.13% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 14.40% |
| CARPENTER ROWLAND BATENBURG CO INC3 | 500 WISCONSIN AVE RACINE, WI 53403 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.17% |
| EUCLID INSURANCE SERVICES INC5 | 234 SPRING LAKE DR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX,INC EIN 33-0441200 PHARMACY BENEFIT MGMT | Float revenue; Other fees; Direct payment from the plan; Claims processing Service code 12 | — | $835K |
| UMR,INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $298K |
| LOCKTON COMPANIES,LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | — | $126K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMIN | Contract Administrator Service code 13 | — | $17K |
| THE HEALTH PLAN OF THE UPPER OHIO EIN 55-0585592 RECORDKEEPING | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $14K |
| CARPENTER ROWLAND BATENBURG INSURANCE AGENT/BROKER | Insurance agents and brokers Service code 22 | 500 WISCONSIN AVE 1ST FL RACINE, WI 53403 | $5K |
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 | 459 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $68K |
| Vision | WYSSTA INSURANCE COMPANY INC | 254 | $47K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 172 | $98K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 159 | $66K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 172 | $98K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 357 | $675K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.