| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INC3 Filed as: BENEFITS, INC | 250 N PATRICK BLVD SUITE 100 BROOKFIELD, WI 53045 | DEAN HEALTH PLAN | $75K | — | $75K | 4.37% |
| PROFESSIONAL INS PLANNERS & CONSULT3 | 1521 TECHNOLOGY PKWY CEDAR FALLS, IA 50613 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $14K | — | $14K | 3.32% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 250 N PATRICK BLVD SUITE 100 BROOKFIELD, WI 53045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $3K | $26K | 10.59% |
| BENEFITS INC3 | 250 N PATRICK BLVD SUITE 100 BROOKFILED, WI 53045 | DELTA DENTAL OF WISCONSIN | $10K | — | $10K | 4.64% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 250 N PATRICK BLVD SUITE 100 BROOKFIELD, WI 53012 | VISION SERVICE PLAN | $769 | — | $769 | 7.30% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DEAN HEALTH PLAN | 306 | $2.1M |
| Dental | DELTA DENTAL OF WISCONSIN | 188 | $214K |
| Vision | VISION SERVICE PLAN | 110 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $249K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $249K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $249K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 21 | $428K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.