| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 20225 WATER TOWER BLVD SUITE 317 BROOKFIELD, WI 530453530 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $79K | $81K | 4.86% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC/BSG | 20225 WATER TOWER BLVD SUITE 137 BROOKFIELD, WI 53054 | CARE-PLUS DENTAL PLANS, INC. | $4K | — | $4K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURACE SERVICES INC | N25W23050 PAUL RD PEWAUKEE, WI 53072 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 12.56% |
| BSG ANALYTICS, LLC3 | 20225 WATER TOWER BLVD SUITE 317 BROOKFIELD, WI 53045 | UNITEDHEALTHCARE INSURANCE COMPANY | $270 | — | $270 | 2.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SIKICH LLP EIN 36-3168081 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $38K |
| ALLIANT INSURANCE SERVICES, INC. NONE | Direct payment from the plan; Contract Administrator Service code 13 | PO BOX 8527 PASADENA, CA 911098601 | $36K |
| BSG ANALYTICS, LLC NONE | Contract Administrator; Direct payment from the plan Service code 13 | 20225 WATER TOWER BLVD SUITE 317 BROOKFIELD, WI 53045 | $7K |
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 | 348 | 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) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 535 | $1.7M |
| Dental | CARE-PLUS DENTAL PLANS, INC. | 207 | $87K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 345 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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.
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.