| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORSITE BENEFIT PARTNERS3 | 2300 RIVERSIDE DRIVE, SUITE 204 GREEN BAY, WI 543011900 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | — | $25K | 4.67% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | POST OFFICE BOX 8950 MADISON, WI 537088950 | METROPOLITAN LIFE INSURANCE COMPANY | $133 | — | $133 | 0.02% |
| LIBERTY INSURANCE SERVICES3 Filed as: LIBERTY INSURANCE GROUP INC | 17040 W GREENFIELD AVENUE, SUITE 1 BROOKFIELD, WI 530056899 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $108K | $115K | 105.96% |
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 | 1,599 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,441 | $108K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,599 | $536K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,599 | $536K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,599 | $536K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,599 | $536K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,599 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.