| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SERVICES GROUP, INC.3 Filed as: BENEFIT SERVICES GROUP | PO BOX 78117 MILWAUKEE, WI 53278 | UNITEDHEALTHCARE INSURANCE COMPANY | $179K | — | $179K | 14.87% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: BENEFIT SERVICES GROUP | N25 W23050 PAUL ROAD PEWAUKEE, WI 53072 | HEALTHPARTNERS | — | $29K | $29K | 5.45% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: THE BENEFIT SERVICES GROUP | N25 W23050 PAUL ROAD PEWAUKEE, WI 53072 | UNITY HEALTH PLANS INSURANCE CORPORATION | $26K | — | $26K | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE SERVICES EIN 41-1289245 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $1.3M |
| DISCOVERY BENEFITS EIN 90-0058554 FLEX ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $11K |
| THE BENEFITS SERVICES GROUP | Insurance agents and brokers; Other commissions Service code 22 | — | $5K |
| JP MORGAN CHASE BANK EIN 13-4994650 TRUSTEE | Direct payment from the plan; Float revenue; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $1K |
| THE BENEFIT SERVICES GROUP EIN 39-1593551 NONE | Other commissions; Insurance agents and brokers Service code 22 | — | $0 |
| UNITEDHEALTHCARE SERVICES, INC. | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $0 |
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 | 2,501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 171 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHPARTNERS | 132 | $1.1M |
| Prescription drug | UNITY HEALTH PLANS INSURANCE CORPORATION | 100 | $520K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,121 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,121 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.