| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 | 100 N CORPORATE DR STE 100 BROOKFIELD, WI 530455800 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $38K | $38K | 3.09% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE SOLUTIONS INC | 100 N CORPORATE DR., STE 100 BROOKFIELD, WI 53045 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$43 | -$43 | -0.00% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 100 N CORPORATE DRIVE SUITE 100 BROOKFIELD, WI 53045 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 11.81% |
| MOR STRATEGY, INC.3 Filed as: MOR STRATAEGY INC | DBA MOR STRATEGY PARTNERS 21306 WILDFLOWER CT MAGNOLIA, TX 77354 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 19.79% |
| MOR STRATEGY, INC.3 Filed as: MOR STRATEGY INC. | DBA MOR STRATEGY PARTNERS 21306 WILDFLOWER CT MAGNOLIA, TX 77354 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.07% |
| MOLLY R MABRY3 | 7633 SOUTH 37TH ST LINCOLN, NE 68516 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.66% |
| MOLLY R MABRY3 Filed as: MOLLY R MARBRY | 7633 SOUTH 37TH ST LINCOLN, NE 68516 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.58% |
| ASSOCIATED BENEFITS & RISK CON3 Filed as: ASSOCIATED BENEFITS AND RISK CON | 711 EISENHOWER DR KIMBERLY, WI 541360000 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN, INC. | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $9K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMIN | Contract Administrator Service code 13 | — | $6K |
| ASSOCIATED BENEFITS & RISK CON BROKER | Insurance agents and brokers Service code 22 | 711 EISENHOWER DR. KIMBERLY, WI 541360000 | $999 |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 247 | $1.2M |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN, INC. | 94 | $14K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $92K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $92K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $92K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.