| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT CROOK3 | 250 S EXECUTIVE DR. #300 BROOKFIELD, WI 53005 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $16K | — | $16K | 12.50% |
| NATIONAL INS. SERVICES OF WI,INC.3 Filed as: NATIONAL INS SERVICES OF WI,INC. | 250 SOUTH EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WI 530054273 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $15K | — | $15K | 12.00% |
| JOSEPH WALSH3 | 620 WESTBOURNE RD WEST CHESTER, PA 19382 | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | $9K | — | $9K | 7.50% |
| ROBERT CROOK3 Filed as: ROBERT E CROOK | 250 S EXECUTIVE DR. #300 BROOKFIELD, WI 53005 | AMERICAN UNITED LIFE INSURANCE COMPANY | $13K | — | $13K | 12.60% |
| JOSEPH WALSH3 Filed as: JOSEPH M. WALSH | 620 WESTBOURNE RD WEST CHESTER, PA 19382 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | — | $7K | 7.40% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 105 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE SHIELD | 848 | $8.6M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 266 | $99K |
| Long-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY, INC. | 239 | $125K |
| Prescription drug | HIGHMARK BLUE SHIELD | 848 | $8.6M |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 266 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 848 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.