| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 7225 NORTHLAND DR N SUITE 300 MINNEAPOLIS, MN 55428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 5.32% |
| ASSOCIATED FINANCIAL GROUP LLC DBA3 | ASSOCIATED BENEFITS AND RISK CONSUL 711 EISENHOWER DR KIMBERLY, WI 54136 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF WISCONSIN | $7K | — | $7K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 7225 NORTHLAND DR N SUITE 300 MINNEAPOLIS, MN 55428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 9.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF | A MARSH AND MCLENNAN AGENCY LLC CO 7225 NORTHLAND DR N SUITE 300 MINNEAPOLIS, MN 55428 | EYE MED | $555 | — | $555 | 7.21% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 117 | $82K |
| Vision | EYE MED | 107 | $8K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 172 | $159K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 172 | $159K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 172 | $159K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 172 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.