| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC. Filed as: UMR | PO BOX 30451 SALT LKE CITY, UT 84130 | MENOMINEE TRIBAL ENTERPRISES | $13K | $63K | $76K | 11.94% |
| ROBERTSON RYAN & ASSOCIATES | 330 EAST KILBOURN AVE SUITE 650 MILWAUKEE, WI 53202 | MENOMINEE TRIBAL ENTERPRISES | $3K | — | $3K | 0.50% |
| ROBERTSON RYAN & ASSOCIATES Filed as: ROBERTSON RYAN & ASSOCIATES, INC. | 330 E. KILBOURN AVE SUITE 650 MILWAUKEE, WI 53202 | NATIONWIDE LIFE INSURANCE COMPANY | $61K | — | $61K | 10.00% |
| ROBERTSON RYAN & ASSOCIATES | 330 EAST KILBOURN AVE SUITE 650 MILWAUKEE, WI 53202 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| ROBERTSON RYAN & ASSOCIATES | 330 EAST KILBOURN AVE SUITE 650 MILWAUKEE, WI 53202 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ROBERTSON RYAN & ASSOCIATES | 330 E KILBOURN AVE SUITE 650 MILWAUKEE, WI 53202 | DELTA DENTAL OF WISCONSIN | $798 | — | $798 | — |
No Schedule C service providers reported on this filing.
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MENOMINEE TRIBAL ENTERPRISES | 129 | $632K |
| Dental | DELTA DENTAL OF WISCONSIN | 124 | $0 |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 149 | $35K |
| Short-term disability | STANDARD INSURANCE COMPANY | 160 | $67K |
| Prescription drug | MENOMINEE TRIBAL ENTERPRISES | 129 | $632K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 128 | $606K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.