| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERTSON RYAN & ASSOCIATES Filed as: ROBERTSON RYAN & ASSOCIATES, INC | 330 E KILBOURN AVE MILWAUKEE, WI 53202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 14.16% |
| ROBERTSON RYAN & ASSOCIATES Filed as: ROBERTSON RYAN & ASSOCIATES, INC. | 2 PLAZA EAST 650 3300 E KILBOURN AVE MILWAUKEE, WI 53202 | UNITED HEALTHCARE INSURANCE COMPANY | $767 | $0 | $767 | 5.66% |
| ROBERTSON RYAN & ASSOCIATES3 | 330 E KILBOURN AVE, #650 MILWAUKEE, WI 53202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $492 | $2K | 19.56% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN & ASSOCIATES INC. | 2 PLAZA EAST STE 650 330 E KILBOURN MILWAUKEE, WI 53202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $476 | $2K | 19.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 2700 MIDWEST DR ONALASKA, WI 54650 | $59K |
| ROBERTSON RYAN & ASSOCIATES, INC. EIN 39-0605130 BROKER | Other commissions Service code 55 | 2 PLAZA EAST, STE 650 330 E KILBOURN AVE MILWAUKEE, WI 53202 | $6K |
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 | 113 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $25K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 108 | $24K |
| Stop-loss / reinsurancereinsurance | GUARDIAN LIFE | 113 | $600K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 113 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.