| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UMR INC | 2700 MIDWEST DRIVE ONALASKA, WI 54602 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $122K | $124K | 49.67% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 6.73% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE ATTN COMMISSIONS DEPT KIMBERLY, WI 54136 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 2.26% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 553439448 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $2K | $42K | 18.51% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | VISION SERVICE PLAN | — | $1K | $1K | 5.22% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 541362142 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 19.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 3RD PARTY ADMIN - DENTAL | Contract Administrator Service code 13 | — | $12K |
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 | 438 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 245 | $250K |
| Vision | VISION SERVICE PLAN | 241 | $23K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 766 | $228K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 766 | $228K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 766 | $228K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 245 | $250K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 766 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 766 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.