| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHAY SHERFINSKI3 | N14W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | ALL SAVERS INSURANCE COMPANY | $40K | — | $40K | 4.90% |
| R & R INSURANCE SERVICES INC3 | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | DELTA DENTAL OF WISCONSIN | $7K | — | $7K | 6.26% |
| R & R INSURANCE SERVICES INC3 | N14W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 10.90% |
| R & R INSURANCE SERVICES INC3 | N14W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $591 | $3K | 12.29% |
| R & R INSURANCE SERVICES INC3 | N14W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $375 | $3K | 17.14% |
| R & R INSURANCE SERVICES INC3 Filed as: R & R INSURANCE SERVICES, INC. | PO BOX 1610 WAUKESHA, WA 53187 | CARE-PLUS DENTAL PLANS, INC. | $1K | — | $1K | 8.00% |
| R & R INSURANCE SERVICES INC3 | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 8.26% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WISCONSIN | 108 | $125K |
| Vision | WYSSTA INSURANCE COMPANY INC | 125 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $16K |
| Stop-loss / reinsurancereinsurance | ALL SAVERS INSURANCE COMPANY | 147 | $814K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.