| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 | 11 SCOTT STREET SUITE 100 WAUSAU, WI 54403 | HCC LIFE INSURANCE COMPANY | — | $38K | $38K | 11.70% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: ONESOURCE STOP LOSS INS. MARKETING | 9290 WEST STOCKTON BLVD. SUITE 104 ELK GROVE, CA 95758 | HCC LIFE INSURANCE COMPANY | — | $11K | $11K | 3.30% |
| STRUNK INSURANCE GROUP3 Filed as: THE STRUNK INSURANCE GROUP, INC. | 14425 N 7TH ST STE 102 PHOENIX, AZ 85022 | VISION SERVICE PLAN | — | $693 | $693 | 7.83% |
| STRUNK INSURANCE GROUP3 Filed as: THE STRUNK INSURANCE GROUP, INC | 14425 N. 7TH ST., STE 102 PHOENIX, AZ 85022 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $359 | $359 | 12.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $107K |
| THE STRUNK INSURANCE GROUP, INC. EIN 86-0671340 BROKER | Other commissions Service code 55 | 14425 N 7TH ST STE 102 PHOENIX, AZ 85022 | $17K |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 116 | $326K |
| Vision | VISION SERVICE PLAN | 52 | $9K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 52 | $3K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 116 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.