No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, IA 54402 | $944K |
| OPTUMRX, INC. EIN 33-0441200 PHARM BENEFIT MGT | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | 13625 TECHNOLOGY DR EDEN PRAIRIE, MN 55344 | $245K |
| HOLMES MURPHY & ASSOCIATES INC EIN 42-0985055 BROKER | Other commissions Service code 55 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | $40K |
| INNOVATIVE CAPTIVE STRATEGIES EIN 26-2763468 BROKER | Other commissions Service code 55 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | $28K |
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 | 287 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 285 | $325K |
| Other | SWISS RE-SWISS RE | 285 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.