| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UNITED HEALTHCARE SERVICES, INC. | PO BOX 19032 GREEN BAY, WI 54307 | ALL SAVERS INSURANCE COMPANY | — | $60K | $60K | 11.45% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ALL SAVERS INSURANCE COMPANY | $15K | — | $15K | 2.78% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUECROSS BLUESHIELD OF TEXAS | $10K | $732 | $11K | 3.43% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF IOWA | $12K | $2K | $14K | 5.56% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $87 | $7K | 10.15% |
| UMR, INC.3 Filed as: UNITED HEALTHCARE SERVICES, INC. | PO BOX 19032 GREEN BAY, WI 54307 | ALL SAVERS INSURANCE COMPANY | — | $80K | $80K | 1099.16% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ALL SAVERS INSURANCE COMPANY | $30K | — | $30K | 414.90% |
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 | 558 | 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) | 558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 32 | $313K |
| Dental | DELTA DENTAL OF IOWA | 558 | $258K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 721 | $69K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 721 | $69K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 32 | $313K |
| Stop-loss / reinsurancereinsurance(2 contracts) | ALL SAVERS INSURANCE COMPANY | 228 | $532K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 721 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 721 | — |
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.