Sign up free to preview 8 contract rows with premium, retention, and renewal dates
Free accounts unlock saves, downloads, and 3-year history.
Sign up free to preview commissions and fees for 40 broker rows
Free accounts unlock saves, downloads, and 3-year history.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 150 W WAUSAU AVENUE WAUSAU, WI 54401 | $324K |
| HIGGINBOTHAM INSURANCE AGENCY INC EIN 26-0879999 BROKER | Other commissions Service code 55 | 500 W 13TH STREET FORT WORTH, TX 76102 | $93K |
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 | 584 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 231 | $214K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $156K |
| Vision | VISION SERVICE PLAN | 241 | $24K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 322 | $177K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 231 | $368K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $82K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 262 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.