| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UMR INC. | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.54% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L. JOHNSON & ASSOCIATES INC | 3850 E BASELINE RD #121 MESA, AZ 85206 | THE STANDARD | $2K | $0 | $2K | 1.72% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L. JOHNSON & ASSOCIATES INC | 3850 E. BASELINE RD., STE. 121 MESA, AZ 85206 | THE STANDARD | $3K | $0 | $3K | 3.35% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L. JOHNSON & ASSOCIATES INC | 3850 E. BASELINE RD., STE. 121 MESA, AZ 85206 | VISION SERVICE PLAN | $0 | $0 | $0 | 0.00% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L. JOHNSON & ASSOCIATES INC | 3850 E. BASELINE RD., STE. 121 MESA, AZ 85206 | THE STANDARD | $391K | $0 | $391K | 1394.99% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L JOHNSON & ASSOCIATES INC. | 3850 E. BASELINE RD., STE. 121 MESA, AZ 85206 | THE STANDARD | $2K | $0 | $2K | 6.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT | Other fees; Direct payment from the plan; Claims processing; Float revenue Service code 12 | 11000 OPTU CIRCLE DEEN PRAIRIE, MN 55344 | $273K |
| UMR INC EIN 39-1995276 CLAIS PROCESSING | Claims processing Service code 12 | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | $99K |
| GARRY L. JOHNSON & ASSOCIATES INC. EIN 86-0616252 BROKER CONSULTANT | Other commissions Service code 55 | 3850 E. BASELINE RD., STE. 121 MESA, AZ 85206 | $56K |
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 | 165 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE STANDARD | 272 | $112K |
| Vision | VISION SERVICE PLAN | 190 | $40K |
| Life insurance | THE STANDARD | 272 | $28K |
| Short-term disability | THE STANDARD | 239 | $88K |
| Long-term disability | THE STANDARD | 219 | $28K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $452K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.