| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | 711 EISENHOWER DR KIMBERLY, WI 54136 | RELIASTAR LIFE INSURANCE COMPANY | $53K | — | $53K | 2.34% |
| UMR, INC.3 Filed as: UMR | MARY GOSZ MAIL STOP 7320 11 SCOTT ST STE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | — | $37K | $37K | 1.61% |
| BIGGIN CONSULTING SERVICES LLC3 Filed as: BIGGIN CONSULTING SERVICES | 2800 JORDAN GRV WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 0.15% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 50125 | RELIASTAR LIFE INSURANCE COMPANY | — | $2K | $2K | 0.11% |
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 | 790 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 790 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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."
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.