| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.5 Filed as: UMR | 11 SCOT STREET, STE 100 WAUSAU, WI 54403 | UNION LABOR LIFE | — | $17K | $17K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CONSULTING | Claims processing; Contract Administrator; Consulting (general) Service code 12 | 230 LEXINGTON GREEN CIR LEXINGTON, KY 40503 | $306K |
| MADISON INVESTMENT MANAGEMENT INVESTMENT MANAGER | Investment management Service code 28 | 550 SCIENCE DRIVE MADISON, WI 53711 | $24K |
| FRANK N HESTAND CPA PSC EIN 61-1336870 AUDITOR | Accounting (including auditing) Service code 10 | 261 REGENCY CIRCLE LEXINGTON, KY 40503 | $9K |
| HERZFELD SUETHOLZ GASTEL LENISKI ATTORNEY | Legal Service code 29 | 600 VINE STREET STE 2720 CINCINNATI, OH 45202 | $7K |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 135 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS BLUE SHIELD | 133 | $295K |
| Life insurance | UNION LABOR LIFE | 335 | $564K |
| Short-term disability | UNION LABOR LIFE | 335 | $564K |
| Stop-loss / reinsurancereinsurance | HUMANA INSURANCE COMPANY | 371 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.