| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 601732412 | UNITED HEALTHCARE INSURANCE COMPANY | $966 | — | $966 | 0.20% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF WI LLC | 1200 NORTH MAYFAIR RD MILWAUKEE, WI 53226 | UNITED HEALTHCARE INSURANCE COMPANY | $238 | — | $238 | 0.05% |
| ASSURANCE AGENCY LTD3 | 20 MARTINGALE RD STE 100 SCHAUMBURG, IL 601732412 | UNITED HEALTHCARE INSURANCE COMPANY | $200 | — | $200 | 0.04% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $136K |
| MARSH & MCLENNAN EIN 26-3237576 BROKER | Other commissions Service code 55 | — | $48K |
| HAYS GROUP OF WI LLC EIN 41-1949344 BROKER | Other commissions Service code 55 | — | $11K |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 320 | $486K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 223 | $133K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 223 | $133K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 223 | $133K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 320 | $486K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 223 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.