| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCLONE AGENCY INC3 Filed as: THE MCCLONE AGENCY, INC. | 150 MAIN STREET SUITE 300 MENASHA, WI 54952 | DEAN HEALTH PLAN | $17K | $0 | $17K | 3.63% |
| MCCLONE AGENCY INC3 | PO BOX 389 MENASHA, WI 54952 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 14.94% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL GROUP INC | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 1.99% |
| MCCLONE AGENCY INC3 | PO BOX 389 MENASHA, WI 54952 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.96% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL GROUP LLC | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $562 | $562 | 1.99% |
| MCCLONE AGENCY INC3 | PO BOX 389 MENASHA, WI 54952 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 16.57% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL GROUP LLC | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $245 | $245 | 1.99% |
| MCCLONE AGENCY INC3 | PO BOX 389 MENASHA, WI 54952 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 17.33% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL GROUP LLC | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $172 | $172 | 2.00% |
| MCCLONE AGENCY INC3 | PO BOX 389 MENASHA, WI 54952 | UNUM INSURANCE COMPANY | $612 | $0 | $612 | 15.01% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL GROUP LLC | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | UNUM INSURANCE COMPANY | $0 | $82 | $82 | 2.01% |
| MCCLONE AGENCY INC3 | PO BOX 389 MENASHA, WI 54952 | UNUM INSURANCE COMPANY | $592 | $0 | $592 | 15.02% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL GROUP LLC | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | UNUM INSURANCE COMPANY | $0 | $79 | $79 | 2.00% |
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 | 90 | 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) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN | 52 | $459K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 51 | $28K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 51 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 90 | $51K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 90 | $51K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29 | $12K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 90 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 90 | — |
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.