| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSMANN-JOHNSON INSURANCE INC3 | 740 REGENT ST STE 400 MADISON, WI 53715 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $29K | $32K | 3.03% |
| INGENIUM PRIME INC3 | 700 REGENT ST MADISON, WI 53715 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.15% |
| INGENIUM PRIME INC3 | PO BOX 259408 MADISON, WI 53725 | RELIANCE STANDARD LIFE INSURANCE CO | $5K | — | $5K | 5.05% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE CO | — | $1K | $1K | 1.10% |
| INGENIUM PRIME INC3 | PO BOX 259408 MADISON, WI 53725 | RELIANCE STANDARD LIFE INSURANCE CO | $3K | — | $3K | 6.05% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE CO | — | $931 | $931 | 2.25% |
| INGENIUM PRIME INC3 | PO BOX 259408 MADISON, WI 53725 | RELIANCE STANDARD LIFE INSURANCE CO | $3K | — | $3K | 8.44% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE CO | — | $381 | $381 | 1.09% |
| INGENIUM PRIME INC3 | P0 BOX 259408 MADISON, WI 53725 | RELIANCE STANDARD LIFE INSURANCE CO | $232 | — | $232 | 14.99% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE CO | — | $16 | $16 | 1.03% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 252 | $1.1M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE CO | 194 | $41K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE CO | 130 | $35K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE CO | 192 | $99K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE CO | 194 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.