| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL LIFE CYCLES INC3 | STE D 108 PACKERLAND DR GREEN BAY, WI 54303 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| FINANCIAL LIFE CYCLES INC3 Filed as: FINANCIAL LIFE CYCLES INC. | STE D 108 PACKERLAND DR GREEN BAY, WI 54303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.69% |
| FINANCIAL LIFE CYCLES INC3 | STE D 108 PACKERLAND DR GREEN BAY, WI 54303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.73% |
| FINANCIAL LIFE CYCLES INC3 | STE D 108 PACKERLAND DR GREEN BAY, WI 54303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 14.52% |
| FINANCIAL LIFE CYCLES INC3 | STE D 108 PACKERLAND DR GREEN BAY, WI 54303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.78% |
| FINANCIAL LIFE CYCLES INC3 Filed as: FINANCIAL LIFE CYCLES INC. | STE D 108 PACKERLAND DR. GREEN BAY, WI 54303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $323 | — | $323 | 1.47% |
| FINANCIAL LIFE CYCLES INC3 Filed as: FINANCIAL LIFE CYCLES INC. | STE D 108 PACKERLAND DR. GREEN BAY, WI 54303 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $503 | — | $503 | 3.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 5901 LINCOLN DR. MINNEAPOLIS, MN 55436 | $224K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2801 HOOVER ROAD PO BOX 828 STEVENS POINT, WI 54881 | $23K |
| FINANCIAL LIFE CYCLES, INC. INSURANCE BROKER | Insurance agents and brokers Service code 22 | 108 PACKERLAND DR. STE. D GREEN BAY, WI 54303 | $496 |
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 | 483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | 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) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 500 | $136K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 352 | $184K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 500 | $165K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,015 | $777K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,015 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.