| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGINEERED PLASTIC COMPONENTS3 | 1408 ZIMMERMAN DRIVE SOUTHGRINNELL, IA 50112 | BLUE CARE NETWORK OF MICHIGAN | $47K | $0 | $47K | 7.25% |
| WELLS FARGO INSURANCE SERVICES3 | 400 HIGHWAY 169 SOUTH ST LOUIS PARK, MN 55426 | UNION SECURITY INSURANCE COMPANY | $3K | $0 | $3K | 5.93% |
| WELLS FARGO INSURANCE SERVICES3 | 400 HIGHWAY 169 SOUTH 8TH FL ST LOUIS PARK, MN 55426 | UNION SECURITY INSURANCE COMPANY | $1K | $0 | $1K | 2.62% |
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | UNION SECURITY INSURANCE COMPANY | $502 | $0 | $502 | 1.05% |
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | UNION SECURITY INSURANCE COMPANY | $235 | $0 | $235 | 0.49% |
| WELLS FARGO INSURANCE SERVICES3 | 500 1ST STREET SE 8TH FL ST LOUIS PARK, IA 55426 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 400 HIGHWAY 169 SOUTH 8TH FL ST LOUIS PARK, IA 554265240 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 7.53% |
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | UNION SECURITY INSURANCE COMPANY | $260 | $0 | $260 | 1.29% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 51.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 400 HIGHWAY 169 SOUTH ST LOUIS PARK, IA 55426 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 20.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 8331 NORMAN CENTER DR. STE 500 BLOOMINGTON, MN 55413 | SUN LIFE ASSURANCE COMPANY OF CANADA | $886 | $0 | $886 | 8.65% |
| TRUE NORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $154 | $0 | $154 | 1.50% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 44.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 400 HIGHWAY 169 SOUTH ST LOUIS PARK, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 18.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 8331 NORMAN CENTER DR STE 500 MINNEAPOLIS, MN 55437 | HARDFORD LIFE AND ACCIDENT | $588 | $0 | $588 | 8.39% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | 500 1ST ST SE CEDAR RAPIDS, IL 52401 | HARDFORD LIFE AND ACCIDENT | $112 | $0 | $112 | 1.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL INC | PO BOX 203373 DALLAS, TX 753203373 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
No Schedule C service providers reported on this filing.
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 | 934 | 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) | 934 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 129 | $642K |
| Vision | VISION SERVICE PLAN | 361 | $32K |
| Life insurance(4 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 972 | $88K |
| Short-term disability(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 172 | $68K |
| Long-term disability | HARDFORD LIFE AND ACCIDENT | 27 | $7K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 129 | $642K |
| Other(5 contracts, 4 carriers) | UNION SECURITY INSURANCE COMPANY | 972 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 972 | — |
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.
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.