| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY INC | 595 STEWART AVE GARDEN CITY, NY 11530 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 4.00% |
| HUMPAL FINANCIAL, INC.3 | JESS HUMPAL 525 MCHUGH ROAD STE. 5 HOLMEN, WI 54636 | PRINCIPAL LIFE INSURANCE | $5K | — | $5K | 3.19% |
| SCOTT R EBERT3 Filed as: SCOTT RAYMOND EBERT | 1421 BROADWAY ST N STE 113 MENOMINEE, WI 54751 | PRINCIPAL LIFE INSURANCE | $5K | — | $5K | 3.19% |
| HUMPAL FINANCIAL, INC.3 | 535 MCHUGH ROAD STE. 5 HOLMEN, WI 54636 | DELTA DENTAL OF WISCONSIN | $1K | — | $1K | 1.01% |
| SCOTT R EBERT3 | 1421 BROADWAY STN STE 113 MENOMONIE, WI 54751 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.58% |
| HUMPAL FINANCIAL, INC.3 Filed as: HUMPAL FINANCIAL INC | 525 MCHUGH RD STE 5 HOLMEN, WI 54636 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GARDEN CITY INC | 595 STEWART AVE 7TH FLOOR GARDEN CITY, NY 11530 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 8.83% |
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 | 376 | 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) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $680K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WISCONSIN | 255 | $147K |
| Vision(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE | 378 | $232K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE | 378 | $205K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE | 378 | $205K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE | 378 | $205K |
| Other | PRINCIPAL LIFE INSURANCE | 377 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.