| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 530056068 | UNITED HEALTHCARE INSURANCE COMPANY | $52K | — | $52K | 10.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI INC | PO BOX 1650 MILWAUKEE, WI 532011650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 11.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI INC | PO BOX 1650 MILWAUKEE, WI 532011650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $630 | $6K | 16.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI INC | PO BOX 1650 MILWAUKEE, WI 532011650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $560 | $5K | 17.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI INC | PO BOX 1650 MILWAUKEE, WI 532011650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $431 | $3K | 11.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX EIN 33-0441200 PHARMACY BENEFIT MGMT | Direct payment from the plan; Float revenue; Other fees; Claims processing Service code 12 | — | $545K |
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $88K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 TPA-DENTAL | Contract Administrator Service code 13 | — | $9K |
| TASC EIN 36-2739571 ADMINSTRATOR | Claims processing Service code 12 | — | $7K |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 177 | $477K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $63K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $25K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
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.