| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | 1581 E. RACINE AVENUE WAUKESHA, WI 53186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $0 | $22K | 100.00% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | 1581 E. RACINE AVENUE WAUKESHA, WI 53186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.37% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | 1581 E. RACINE AVENUE WAUKESHA, WI 53186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MANAGER | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | — | $87K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $34K |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $22K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 86 | $317K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.