| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT DIRECTIONS INC3 Filed as: BENEFIT DIRECTIONS, INC. | W68 N906 WASHINGTON CEDARBURG, WI 53012 | HUMANA INSURANCE COMPANY | $39K | — | $39K | 2.07% |
| BENEFIT DIRECTIONS INC3 Filed as: BENEFIT DIRECTIONS INC. | W68 N 906 WASHINGTON CEDARBURG, WI 53012 | HUMANA INSURANCE COMPANY | -$42 | — | -$42 | -0.01% |
| BENEFIT DIRECTIONS INC3 Filed as: BENEFIT DIRECTIONS, INC. | 7359 HIGHWAY 60 CEDARBURG, WI 53012 | BLUE CROSS BLUE SHIELD OF FLORIDA | $12K | — | $12K | 5.00% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: THE BENEFIT SERVICES GROUP INC. | PO BOX 78117 MILWAUKEE, WI 53278 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $392 | $889 | $1K | 2.52% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: THE BENEFIT SERVICES GROUP INC. | PO BOX 78117 MILWAUKEE, WI 53278 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $377 | $562 | $939 | 2.92% |
| BENEFIT DIRECTIONS INC3 Filed as: BENEFIT DIRECTIONS, INC. | 7359 HIGHWAY 60 CEDARBURG, WI 53012 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 8.83% |
| BENEFIT SERVICES GROUP, INC.3 | PO BOX 78117 MILWAUKEE, WI 53278 | SUN LIFE ASSURANCE COMPANY OF CANADA | $286 | — | $286 | 1.78% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: THE BENEFIT SERVICES GROUP, INC. | PO BOX 78117 MILWAUKEE, WI 53278 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $187 | $1K | 25.44% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: THE BENEFIT SERVICES GROUP, INC. | PO BOX 78117 MILWAUKEE, WI 53278 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $614 | $126 | $740 | 23.55% |
| BENEFIT SERVICES GROUP, INC.3 | PO BOX 78117 MILWAUKEE, WI 53278 | SUN LIFE ASSURANCE COMPANY OF CANADA | $147 | — | $147 | 5.60% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 151 | $2.9M |
| Vision(2 contracts) | HUMANA INSURANCE COMPANY | 151 | $2.6M |
| Life insurance(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 210 | $26K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 77 | $51K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 90 | $32K |
| Prescription drug(4 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 151 | $2.9M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 177 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.