| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES LLC - MIDWES | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUNLIFE ASSURANCE COMPANY OF CANDA | — | $48K | $48K | 3.20% |
| UMR, INC.3 Filed as: UMR INC | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUNLIFE ASSURANCE COMPANY OF CANDA | — | $8K | $8K | 0.56% |
| VIZIENT INSURANCE SERVICES LLC3 | PO BOX 842167 DALLAS, TX 75284 | HARTFORD LIFE AND ACCIDENT | — | $15K | $15K | 4.97% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INS SERVICES LLC | PO BOX 842167 DALLAS, TX 75284 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 4.57% |
| FRIENDSHIP INSURANCE SERVICES LLC3 Filed as: FRIENDSHIP INSURANCE SERICES LLC | 1110 E OHIO STREET, STE B CLINTON, MO 64735 | SUN LIFE ASSURANCE COMPANY OF CANDA | $8K | — | $8K | 31.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $610K |
| PRO ACT PBM | Plan Administrator Service code 14 | — | $0 |
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 | 658 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 658 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 790 | $292K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANDA | 85 | $25K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 790 | $292K |
| Stop-loss / reinsurancereinsurance | SUNLIFE ASSURANCE COMPANY OF CANDA | 658 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 790 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.