| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | DBA ZENEFITS FTW INSURANCE SERV 303 2ND ST #450 SAN FRANCISCO, CA 94107 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | — | $25K | 4.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | ATTN ACCOUNTING 55 E JACKSON BLVD STE 14B CHICAGO, IL 60604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 2.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | THE MURPHY INSURANCE GROUP 15162 COLLECTIONS CENTER DRIV CHICAGO, IL 60693 | SUNLIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.49% |
| YOURPEOPLE, INC.3 | 303 2ND STREET SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | SUNLIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.44% |
| CONRAD PARKER3 | 303 2ND STREET SUITE 401 SAN FRANCISCO, CA 94107 | SUNLIFE ASSURANCE COMPANY OF CANADA | $680 | — | $680 | 0.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | SUNLIFE ASSURANCE COMPANY OF CANADA | $670 | — | $670 | 0.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | DELTA DENTAL OF WISCONSIN | $4K | — | $4K | 5.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD #14A CHICAGO, IL 606044187 | WYSSTA INSURANCE COMPANY, INC. | $607 | — | $607 | 8.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MGMT | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | — | $55K |
| UMR, INC EIN 39-1995276 CLAIM PROCESSING | Claims processing Service code 12 | — | $53K |
| YOURPEOPLE INC EIN 46-0645293 BROKER | Other commissions Service code 55 | DBA ZENFITS FTW INSURANCE SERV 303 2ND ST #450 SAN FRANCISCO, CA 94107 | $2K |
| HUB INTERNATIONAL MIDWEST LTD BROKER | Other commissions Service code 55 | ATTN ACCOUNTING 55 E JACKSON BLVD STE 14B CHICAGO, IL 60604 | $894 |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 134 | $71K |
| Vision | WYSSTA INSURANCE COMPANY, INC. | 60 | $7K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 206 | $73K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 206 | $73K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $550K |
| Other | SUNLIFE ASSURANCE COMPANY OF CANADA | 206 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.