| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INGENIUM PRIME INC3 Filed as: INGENIUM PRIME | 740 REGENT STREET-4TH FLOOR MADISON, WI 53715 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $20K | — | $20K | 3.80% |
| BENEFIT SERVICES GROUP, INC.3 | PO BOX 78117 MILWAUKEE, WI 53278 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.92% |
| BENEFIT SERVICES GROUP, INC.3 | PO BOX 6762 CAROL STREAM, IL 60197 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $1K | $14K | 20.06% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: BENEFIT SERVICES GROUP | PO BOX 6762 CAROL STREAM, IL 60197 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $838 | $10K | 19.81% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: THE BENEFIT SERVICES GROUP, INC. | PO BOX 6762 CAROL STREAM, IL 60197 | METLIFE LEGAL PLANS | $3K | — | $3K | 10.08% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: THE BENEFIT SERVICES GROUP, INC. | N25 W23050 PAUL ROAD PEWAUKEE, WI 53072 | METLIFE LEGAL PLANS | — | $515 | $515 | 2.05% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: BENEFIT SERVICES GROUP | N25 W23050 PAUL ROAD PEWAUKEE, WI 53072 | HARTFORD LIFE AND ACCIDENT | $424 | — | $424 | 14.99% |
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 | 1,477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 38 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 399 | $119K |
| Vision | VISION SERVICE PLAN | 1,052 | $203K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,495 | $611K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 362 | $48K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,495 | $470K |
| Other(6 contracts, 5 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,495 | $758K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,495 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.