| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIZANCE, INC.3 Filed as: VIZANCE BENEFITS LLC | 1320 WALNUT RIDGE DRIVE SUITE 200 HARTLAND, WI 53029 | DELTA DENTAL OF WISCONSIN | $6K | $0 | $6K | 4.76% |
| VIZANCE, INC.3 | 1320 WALNUT RIDGE SUITE 200 HARTLAND, WI 53029 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $11K | 19.74% |
| VIZANCE, INC.3 | 1320 WALNUT RIDGE DRIVE SUITE 200 HARTLAND, WI 53029 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 22.12% |
| VIZANCE, INC.3 | 1320 WALNUT RIDGE DRIVE SUITE 200 HARTLAND, WI 53029 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.73% |
| VIZANCE, INC.3 Filed as: VIZANCE BENEFITS LLC | 1320 WALNUT RIDGE DRIVE SUITE 200 HARTLAND, WI 53029 | WYSSTA INSURANCE COMPANY INC. | $2K | $0 | $2K | 7.97% |
| VIZANCE, INC.3 | 1320 WALNUT RIDGE DRIVE SUITE 200 HARTLAND, WI 53029 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $921 | $3K | 15.31% |
| VIZANCE, INC.3 | 1320 WALNUT RIDGE DRIVE SUITE 200 HARTLAND, WI 53029 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $625 | $2K | 14.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS EIN 36-3086057 TPA | Contract Administrator Service code 13 | 200 W. ADAMS CHICAGO, IL 60606 | $121K |
| VIZANCE, INC. EIN 39-1309381 BROKER | Insurance agents and brokers Service code 22 | 1320 WALNUT RIDGE DRIVE SUITE 200 HARTLAND, WI 53029 | $61K |
| PHCS NETWORK EIN 04-3138814 PPO NETWORK PROVIDER | Other fees Service code 99 | 7900 TYSONS ONE PLACE SUITE 400 MCLEAN, VA 22102 | $10K |
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 | 253 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 203 | $122K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 164 | $22K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $23K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.