| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL LIFE CYCLE INC3 | 108 PACKERLAND DR STE D GREEN BAY, WI 54303 | UNITED HEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 3.60% |
| FINANCIAL LIFE CYCLES INC3 Filed as: FINANCIAL LIFE CYCLES INC. | 108 PACKERLAND DRIVE STE D GREEN BAY, WI 54203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.14% |
| FINANCIAL LIFE CYCLES INC3 | 108 PACKERLAND DRIVE STE D GREEN BAY, WI 54303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.06% |
| FINANCIAL LIFE CYCLES INC3 Filed as: FINANCIAL LIFE CYCLES INC. | 108 PACKERLAND DRIVE STE D GREEN BAY, WI 54303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 16.67% |
| FINANCIAL LIFE CYCLES INC3 | 108 PACKERLAND DRIVE STE D GREEN BAY, WI 54303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 12.08% |
| FINANCIAL LIFE CYCLE INC3 Filed as: FINANCIAL LIFE CYCLE INC. | 108 PACKERLAND DRIVE STE D GREEN BAY, WI 54303 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $708 | — | $708 | 4.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICE, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 5901 LINCOLN DRIVE MINNEAPOLIS, MN 55436 | $212K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2801 HOOVER ROAD PO BOX 828 STEVEN POINT, WI 54881 | $22K |
| FINANCIAL LIFE CYCLES INC. INSURANCE BROKER | Insurance agents and brokers Service code 22 | 108 PACKERLAND DRIVE STE D GREEN BAY, WI 54303 | $270 |
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 | 500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 500 | $111K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 352 | $132K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 500 | $128K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 995 | $693K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 995 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.