| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $52K | $52K | 5.00% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $30K | $30K | 2.92% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $16K | $16K | 5.11% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY STE 450 BROOKFIELD, WI 53045 | WYSSTA INSURANCE COMPANY INC | $3K | $0 | $3K | 7.99% |
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 | 660 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 335 | $35K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 660 | $308K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 660 | $309K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 660 | $308K |
| Stop-loss / reinsurancereinsurance(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 830 | $2.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 660 | $376K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 830 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.