| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURACE SERVICES INC | 20225 WATER TOWER BLVD STE 317 BROOKFIELD, WI 530453530 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $67K | $69K | 4.44% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: BENEFIT SERVICES GROUP INC | N25W23050 PAUL RD PEWAUKEE, WI 530724078 | UNITEDHEALTHCARE INSURANCE COMPANY | $170 | $13K | $13K | 0.83% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURACE SERVICES INC | N25W23050 PAUL RD PEWAUKEE, WI 530724078 | CARE-PLUS DENTAL PLANS, INC. | $4K | — | $4K | 5.00% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: BENEFIT SERVICES GROUP | N25W23050 PAUL RD PEWAUKEE, WI 530724078 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 27.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC. NONE | Direct payment from the plan; Contract Administrator Service code 13 | PO BOX 8527 PASADENA, CA 911098601 | $41K |
| SIKICH LLP EIN 36-3168081 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $32K |
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 | 341 | 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) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $1.6M |
| Dental | CARE-PLUS DENTAL PLANS, INC. | 201 | $78K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $1.6M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 341 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.