| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONE DIGITAL - DOWNERS GROVE, IL | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 4.83% |
| ENROLLEASE3 Filed as: ONE DIGITAL - DOWNERS GROVE, IL | 200 GALLERIA PARKWAY, STE. 1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $259 | — | $259 | 8.21% |
| ENROLLEASE3 Filed as: ONE DIGITAL - DOWNERS GROVE, IL | 200 GALLERIA PARKWAY, STE. 1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $84 | — | $84 | 8.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTH GROUP, INC. EIN 41-1321939 NONE | Claims processing Service code 12 | — | $183K |
| MONARCH PARTNERS ASSET MANAGEMENT EIN 27-1468040 NONE | Investment management Service code 28 | — | $63K |
| NORTHERN TRUST COMPANY EIN 36-1561860 TRUSTEE | Custodial (securities); Investment management; Trustee (bank, trust company, or similar financial institution) Service code 19 | — | $54K |
| ROBERT W. BAIRD & CO EIN 39-6037917 ADVISOR | Named fiduciary; Investment advisory (plan); Consulting fees; Other services Service code 27 | — | $34K |
| DELTA DENTAL OF WI EIN 39-6094742 NONE | Claims processing Service code 12 | — | $30K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Claims processing Service code 12 | — | $29K |
| WCM INVESTMENT MANAGEMENT EIN 95-3046237 NONE | Investment management Service code 28 | — | $27K |
| NUVEEN ASSET MANAGEMENT EIN 27-4357327 NONE | Investment management Service code 28 | — | $15K |
| WILLIS TOWERS WATSON EIN 23-1159360 NONE | Actuarial; Consulting (general); Other services Service code 11 | — | $13K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 978 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 978 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 1,199 | $982K |
| Vision(4 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 675 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,199 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.