| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 13.46% |
| MICHAEL E SHANE3 Filed as: MICHAEL SHANE | 1516 S MARSHALL ST BOONE, IA 50036 | ALLSTATE | $11K | — | $11K | 28.41% |
| EILEEN M BIEHN3 Filed as: EILEEN BIEHN | 1516 S MARSHALL ST BOONE, IA 50036 | ALLSTATE | $10K | — | $10K | 26.44% |
| GREG PIKLAPP3 | 1516 S MARSHALL ST BOONE, IA 50036 | ALLSTATE | $1K | — | $1K | 2.84% |
| EDWARD C BIEHN3 Filed as: EDWARD BIEHN | 1516 S MARSHALL ST BOONE, IA 50036 | ALLSTATE | $793 | — | $793 | 2.09% |
| MICHAEL E SHANE3 Filed as: MICHAEL SHANE | 1516 S MARSHALL ST BOONE, IA 50036 | ALLSTATE | $9K | — | $9K | 32.58% |
| EILEEN M BIEHN3 Filed as: EILEEN BIEHN | 1516 S MARSHALL ST BOONE, IA 50036 | ALLSTATE | $9K | — | $9K | 30.60% |
| EDWARD C BIEHN3 Filed as: EDWARD BIEHN | 1516 S MARSHALL ST BOONE, IA 50036 | ALLSTATE | $972 | — | $972 | 3.49% |
| GREG PIKLAPP3 | 1516 S MARSHALL ST BOONE, IA 50036 | ALLSTATE | $917 | — | $917 | 3.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP ADMINISTRATORS, LTD. EIN 36-3381052 | Claims processing Service code 12 | 953 AMERICAN LANE SUITE 100 SCHAUMBURG, IL 60173 | $94K |
| INNOVATIVE CARE MANAGEMENT EIN 93-1087669 | Other fees Service code 99 | 6400 SE LAKE ROAD PORTLAND, OR 97222 | $14K |
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 | 407 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 407 | $46K |
| Short-term disability(2 contracts) | ALLSTATE | 106 | $66K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 407 | $46K |
| Stop-loss / reinsurancereinsurance | SKYWARD UNDERWRITERS AGENCY, INC. | 244 | $343K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 407 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.
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.