| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRICHARD & JERDEN INC3 Filed as: PRICHARD AND JERDEN INC. | 950 E. PACES FERRY ROAD, NE SUITE 2000 ATLANTA, GA 30326 | UNITED HEALTHCARE OF WISCONSIN, INC. | $13K | — | $13K | 1.56% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES INC | DBA BENEFITMALL 4851 LBJ FREEWAY, SUITE 100 DALLAS, TX 75244 | HCC LIFE INSURANCE COMPANY | $33K | — | $33K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES INC | DBA BENEFITMALL 5090 NORTH 40TH STREET, SUITE 100 PHOENIX, AZ 85018 | HCC LIFE INSURANCE COMPANY | — | $9K | $9K | 4.25% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD AND JERDEN INC. | 950 E. PACES FERRY ROAD, NE SUITE 2000 ATLANTA, GA 30326 | UNITED HEALTHCARE OF WISCONSIN, INC. | $509 | — | $509 | 1.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $143K |
| CONDUENT HR CONSULTING, LLC EIN 13-3954297 NONE | Investment management; Direct payment from the plan Service code 28 | — | $36K |
| L. J. MOSBY P.C. EIN 84-1656069 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| MERITAIN HEALTH, INC. EIN 16-1264154 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $14K |
| SUNTRUST BANK EIN 62-1644863 NONE | Float revenue; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $9K |
| OPTUM RX, INC. EIN 33-0441200 NONE | Float revenue; Claims processing; Direct payment from the plan Service code 12 | — | $849 |
| OPTUMRX, INC. | Float revenue; Claims processing Service code 12 | — | $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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED HEALTHCARE OF WISCONSIN, INC. | 220 | $867K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 339 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.