| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREEN BAY INSURANCE CENTER INC3 | 417 S MONROE AVE GREEN BAY, WI 54301 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $37K | $44K | 3.11% |
| GREEN BAY INSURANCE CENTER INC3 | 417 S MONROE AVE GREEN BAY, WI 54301 | ANTHEM LIFE INSURANCE | $25K | — | $25K | 18.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 400 NORTH EXECUTIVE DRIVE SUITE 30 BROOKFIELD, WI 53005 | ANTHEM LIFE INSURANCE | $17 | — | $17 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BOON ADMINISTRATIVE SERVICES EIN 33-0449333 CONTRACTED THIRD PTY ADMI | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | 6300 BRIDGE POINT PKWY SUITE 3-500 AUSTIN, TX 78730 | $3K |
| THE BOON INSURANCE AGENCY EIN 74-2236168 MARKETING AGENT | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 6300 BRIDGE POINT PKWY SUITE 3-200 AUSTIN, TX 78730 | $2K |
| FIRST HEALTH GROUP CORP EIN 20-1736437 NONE | Other services Service code 49 | 3200 HIGHLAND AVE DOWNERS GROVE, IL 60515 | $201 |
| ACTIVE HEALTH EIN 52-2182411 NONE | Other services Service code 49 | 233 SPRING STREET NEW YORK, NY 10013 | $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 | 253 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 253 | $1.4M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 253 | $1.4M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 253 | $1.4M |
| Life insurance | ANTHEM LIFE INSURANCE | 190 | $137K |
| Short-term disability | ANTHEM LIFE INSURANCE | 190 | $137K |
| Long-term disability | ANTHEM LIFE INSURANCE | 190 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.