| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL LIFE CYCLES INC3 | 108 PACKERLAND DR STE D GREEN BAY, WI 54303 | UNITED HEALTHCARE INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| FINANCIAL LIFE CYCLES INC3 Filed as: FINANCIAL LIFE CYCLES INC. | 108 PACKERLAND DR. STE. D GREEN BAY, WI 54303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.46% |
| FINANCIAL LIFE CYCLES INC3 Filed as: FINANCIAL LIFE CYCLES INC. | 108 PACKERLAND DR. STE. D GREEN BAY, WI 54303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.30% |
| FINANCIAL LIFE CYCLES INC3 Filed as: FINANCIAL LIFE CYCLES INC. | 108 PACKERLAND DR. STE. D GREEN BAY, WI 54303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 11.78% |
| FINANCIAL LIFE CYCLES INC3 Filed as: FINANCIAL LIFE CYCLES INC. | 108 PACERLAND DR. STE. D GREEN BAY, WI 54303 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| FINANCIAL LIFE CYCLES INC3 Filed as: FINANCIAL LIFE CYCLES INC. | 108 PACKERLAND DR. STE. D GREEN BAY, WI 54303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.26% |
| FINANCIAL LIFE CYCLES INC3 Filed as: FINANCIAL LIFE CYCLES INC. | 108 PACKERLAND DR. STE. D GREEN BAY, WI 54303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.38% |
| FINANCIAL LIFE CYCLES INC3 Filed as: FINANCIAL LIFE CYCLES INC. | 108 PACKERLAND DR. STE. D GREEN BAY, WI 54303 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $455 | — | $455 | 3.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 5901 LINCOLN DR. MINNEAOPLIS, MN 55436 | $223K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY 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 | $616 |
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 | 492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 295 | $64K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 493 | $122K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 346 | $158K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 491 | $147K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,041 | $808K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,041 | — |
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."
No prospect flags tripped on this filing.