| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERTSON RYAN & ASSOCIATES Filed as: ROBERTSON RYAN AND ASSOCIATES | 20975 SWENSON DR STE 175 WAUKESHA, WI 53186 | SUN LIFE ASSURANCE COMPANY OF CANADA | $82K | $2K | $84K | 10.03% |
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | $726 | $42K | 4.99% |
| UMR, INC. Filed as: UMR INC | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 0.55% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN AND ASSOCIATES | 20975 SWENSON DR STE 175 WAUKESHA, WI 53186 | DELTA DENTAL OF WISCONSIN | — | $6K | $6K | 5.28% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN AND ASSOCIATES | 20975 SWENSON DR STE 175 WAUKESHA, WI 53186 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 12.64% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN AND ASSOCIATES | 20975 SWENSON DR STE 175 WAUKESHA, WI 53186 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 8.51% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN AND ASSOCIATES | 20975 SWENSON DR STE 175 WAUKESHA, WI 53186 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 115 W WAUSAU AVE WAUSAU, WI 54401 | $66K |
| ROBERTSON RYAN & ASSOCIATES EIN 39-0605130 BROKER | Other commissions Service code 55 | 20975 SWENSON DR STE 175 WAUKESHA, WI 53186 | $6K |
| SUN LIFE ASSURANCE CO OF CANADA EIN 38-1082080 CLAIMS PROCESSING | Claims processing Service code 12 | ONE SUN LIFE EXECUTIVE PARK WELLESLEY HILLS, MA 02481 | $4K |
| ROBERTSON RYAN & ASSOCIATED EIN 39-0605130 BROKER | Claims processing Service code 12 | 20975 SWENSON DR STE 175 WAUKESHA, WI 53186 | $184 |
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 | 106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 126 | $118K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 194 | $18K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 117 | $28K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 108 | $839K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 108 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.