| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGUS, EVE3 | 1115 TAYLOR AVE, SUITE 112 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $38K | — | $38K | 2.00% |
| SPECTRUM BEN. SOL. OF CW LLC3 | 7402 STONE BRIDGE DR, SUITE #3 WESTON, WI 54476 | SECURITY HEALTH PLAN OF WI INC | $35K | — | $35K | 2.46% |
| ASSOCIATED BENEFITS & RISK CON3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | SECURITY HEALTH PLAN OF WI INC | $5K | — | $5K | 0.34% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | P O BOX 640 GREEN BAY, WI 543050640 | HARTFORD LIFE AND ACCIDENT | $58K | $14K | $72K | 7.50% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES | 414 GALLIMORE DAIRY RS S GREENSBORO, NC 27409 | OPTIMA HEALTH INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMITED P | 5314 S YALE SUITE 900 TULSA, OK 74135 | COMMUNITY CARE | — | $21K | $21K | 2.91% |
| SPECTRUM BEN. SOL. OF CW LLC3 | 7402 STONE RIDGE DR SUITE 3 WESTON, WI 54476 | SECURITY HEALTH PLAN OF WI INC | $6K | — | $6K | 2.73% |
| ASSOCIATED BENEFITS & RISK CON3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | SECURITY HEALTH PLAN OF WI INC | $778 | — | $778 | 0.37% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES INC | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 9.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PLAN BENEFIT ANAL | 4775 E 91ST ST , STE 200 TULSA, OK 741372805 | DELTA DENTAL | $3K | — | $3K | 8.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE EIN 36-2739571 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $1.3M |
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 | 3,080 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 548 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | PRIORITY HEALTH | 396 | $5.9M |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $111K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,507 | $960K |
| Prescription drug(5 contracts, 4 carriers) | PRIORITY HEALTH | 384 | $5.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 3,507 | $960K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,507 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.