| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $47K | — | $47K | 7.51% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES INC DBA LAURUS STRAT | 55 W MONROE ST STE 500 CHICAGO, IL 60603 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | $18K | $33K | 5.23% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | — | $26K | 4.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | UNUM LIFE INSURANCE COMPANY | $12K | $931 | $13K | 4.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 15162 COLLECTIONS CTR DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY | $12K | $920 | $13K | 4.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 15162 COLLECTIONS CTR DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $15K | 5.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $844 | $12K | 4.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $2K | $23K | 9.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 15162 COLLECTIONS CTR DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $2K | $20K | 8.20% |
| CSIG MANAGEMENT INC | 6542 SOLUTION CENTER CHICAGO, IL 60677 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN | $7K | — | $7K | 5.50% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF DETROIT INC | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN | $4K | — | $4K | 3.31% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES DBA LAURUS STRATEGIE | 55 W MONROE ST SUITE 500 CHICAGO, IL 60603 | FOUR EVER LIFE INS CO. | $838 | $0 | $838 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $605K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | — | $70K |
| LAURUS STRATEGIES EIN 36-3832755 BROKER | Other commissions Service code 55 | 2200 GENOA BUSINESS PARK SUITE 100 BRIGHTON, MI 48114 | $5K |
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 | 1,894 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,919 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO. | 0 | $6K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN | 2,178 | $133K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 2,391 | $268K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 2,391 | $513K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,526 | $622K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 2,391 | $780K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,391 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.