| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.5 Filed as: UMR INC | 2700 MIDWEST DRIVE ONALASKA, WI 54602 | SUN LIFE OF CANADA | $11K | $58K | $70K | 30.54% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | SUN LIFE OF CANADA | $23K | $3K | $26K | 11.38% |
| TASC TOTAL ADMINISTRATION SERV3 | PO BOX 88278 MILWAUKEE, WI 532880001 | SUN LIFE OF CANADA | — | $2K | $2K | 0.68% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP LLP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNION SECURITY INSURANCE COMPANY | $5K | $2K | $7K | 11.03% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNION SECURITY INSURANCE COMPANY | $2K | $905 | $3K | 11.95% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $444 | $5K | 21.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX EIN 33-0441200 PHARMACY BENEFIT MGMT | Direct payment from the plan; Float revenue; Other fees; Claims processing Service code 12 | 2300 MAIN STREET IRVINE, CA 92614 | $102K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 3RD PARTY ADMIN - DENTAL | Contract Administrator Service code 13 | — | $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 | 319 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE OF CANADA | 119 | $228K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 343 | $25K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 343 | $25K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 338 | $62K |
| Stop-loss / reinsurancereinsurance | SUN LIFE OF CANADA | 119 | $228K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.