| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | 4200 UNIVERSITY AVE # 200 WEST DES MOINES, IA 50266 | UNITEDHEALTHCARE | $74K | — | $74K | 5.80% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | UNITEDHEALTHCARE | $54K | — | $54K | 4.18% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, NJ 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | — | $41K | 5.32% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $27K | $27K | 3.54% |
| RSC INSURANCE BROKERAGE INC3 | 1103 HUNTER DR STE 100 MOUNT PLEASANT, WI 53406 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 7.57% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 501 BELL ST DUBUQUE, IA 52001 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.99% |
| BENEFIT COMMUNICATIONS INC3 | 1 BURTON HILLS BLVD STE 300E NASHVILLE, TN 37215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.70% |
| RSC INSURANCE BROKERAGE INC3 | 1103 HUNTER DR STE 100 MOUNT PLEASANT, WI 53406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $722 | — | $722 | 1.38% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1103 HUNTER DR STE 100 MOUNT PLEASANT, WI 53406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 24.09% |
| BENEFIT COMMUNICATIONS INC3 | 1 BURTON HILLS BLVD NASHVILLE, TN 37215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 3.50% |
| RSC INSURANCE BROKERAGE INC3 | 1103 HUNTER DR STE 100 MOUNT PLEASANT, WI 53406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 1.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 TPA (DENTAL BENEFIT) | Contract Administrator Service code 13 | — | $25K |
| UMR, INC., EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $22K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $9K |
| ASSUREDPARTNERS GREAT PLAINS INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | 4200 UNIVERSITY AVE STE 200 WEST DES MOINES, IA 50266 | $3K |
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 | 508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 907 | $104K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 661 | $816K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 661 | $764K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 661 | $764K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE | 512 | $1.3M |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 661 | $861K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 907 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.