| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 604670000 | SUN LIFE ASSURANCE COMPANY OF CANADA | $56K | — | $56K | 13.97% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 537130000 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 1.22% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT STREET STE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 0.67% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 604675695 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $341 | $3K | 10.61% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $646 | $91 | $737 | 2.74% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INSURANCE GROUP | SUITE 200 N27 W23953 PAUL ROAD PEWAUKEE, WI 53072 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $497 | — | $497 | 1.85% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 604675695 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $159 | $2K | 12.41% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NORLEN DRIVE MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $301 | $40 | $341 | 2.78% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INSURANCE GROUP | SUITE 200 N27 W23953 PAUL ROAD PEWAUKEE, WI 53072 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $326 | — | $326 | 2.66% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 604670000 | WYSSTA INSURANCE COMPANY, INC. | $735 | — | $735 | 6.01% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 537130000 | WYSSTA INSURANCE COMPANY, INC. | $258 | — | $258 | 2.11% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE | P.O. BOX 8950 MADISON, WI 53708 | UNITED HEALTHCARE INSURANCE COMPANY | $985 | — | $985 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $40K |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY, INC. | 67 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $27K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $27K |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 222 | $446K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.