| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JODI WELLHOEFFER/MCCLONE AGENCY3 | 3131 OLD ORCHARD LANE OSHKOSH, WI 54902 | PREVEA360 | $25K | $0 | $25K | 1.77% |
| CAMERON SUTTON ROBERTS3 | N9404 ROSELLA DRIVE APPLETON, WI 54915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 6.08% |
| RODNEY JAMES SONNENBERG3 | 432 AMORY STREET FOND DU LAC, WI 54935 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $110 | $4K | 5.52% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC. | 1103 HUNTER DRIVE MOUNT PLEASANT, WI 53406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 4.16% |
| RSC INSURANCE BROKERAGE INC3 | 1103 HUNTER DRIVE MOUNT PLEASANT, WI 53406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $46 | $3K | 3.54% |
| MCCLONE AGENCY INC3 | PO BOX 389 MENASHA, WI 54952 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $438 | $0 | $438 | 0.59% |
| MIH BENEFITS LLC3 | 106 CUMBERLYNN DRIVE FOND DU LAC, WI 54935 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | $27 | $184 | 0.25% |
| DANIEL FROST3 | 241 POYGAN ROAD OMRO, WI 54963 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $2 | $171 | 0.23% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SER | 800 MAIN STREET DUBUQUE, IA 52001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | $0 | $158 | 0.21% |
| ADAM J ZAHN3 Filed as: ADAM J. ZAHN | 725 EAST GRANT STREET APPLETON, WI 54911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.03% |
| MJ INSURANCE3 Filed as: R & R INS SVCS AND VARIOUS AGENTS | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.02% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST, STE 300 CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $239 | $239 | 0.85% |
| RSC INSURANCE BROKERAGE INC3 | 1103 HUNTER DR MOUNT PLEASANT, WI 53406 | WYSSTA INSURANCE COMPANY INC | $1K | $0 | $1K | 8.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $51 | $51 | 0.84% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREVEA360 | 147 | $1.4M |
| Vision | WYSSTA INSURANCE COMPANY INC | 135 | $17K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 147 | $80K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $28K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 147 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.