| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN AND ASSOCIATES | 330 E KILBOURN AVE STE 650 MILWAUKEE, WI 53202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $83K | $2K | $85K | 13.98% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | $670 | $29K | 4.68% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN AND ASSOCIATES | 330 E KILBOURN AVE STE 650 MILWAUKEE, WI 53202 | DELTA DENTAL OF WISCONSIN | — | — | $0 | 0.00% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN AND ASSOCIATES | 330 E KILBOURN AVE STE 650 MILWAUKEE, WI 53202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 14.27% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN AND ASSOCIATES | 330 E KILBOURN AVE STE 650 MILWAUKEE, WI 53202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 9.70% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN AND ASSOCIATES | 330 E KILBOURN AVE STE 650 MILWAUKEE, WI 53202 | UNITED HEALTH CARE INSURANCE CO | $1K | — | $1K | 9.99% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN AND ASSOCIATES | 330 E KILBOURN AVE STE 650 MILWAUKEE, WI 53202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN AND ASSOCIATES | 330 E KILBOURN AVE STE 650 MILWAUKEE, WI 53202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $61K |
| ROBERTSON RYAN AND ASSOCIATES EIN 39-0605130 BROKER | Other commissions Service code 55 | 330 E KILBOURN AVE SUITE 650 MILWAUKEE, WI 53202 | $6K |
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 CLAIMS PROCESSING | Claims processing Service code 12 | ONE SUN LIFE EXECUTIVE PARK WELLESLEY HILLS, MA 02481 | $2K |
| LINCOLN NATIONAL LIFE INSURANCE COM EIN 35-0472300 CLAIMS PROCESSING | Claims processing Service code 12 | 8801 INDIAN HILLS DR OMAHA, NE 68114 | $750 |
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. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 134 | $120K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 225 | $19K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $25K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $611K |
| Other | UNITED HEALTH CARE INSURANCE CO | 116 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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 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.