| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANSAY & ASSOCIATES LLC3 | 101 EAST GRAND AVE SUITE 11 PORT WASHINGTON, WI 53074 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $45K | — | $45K | 2.28% |
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY AND ASSOCIATES LLC | 101 E GRAND AVENUE STE 111 PORT WASHINGTON, WI 53074 | DEAN HEALTH PLAN, INC. | $2K | — | $2K | 1.43% |
| ANSAY & ASSOCIATES LLC3 | 101 E GRAND AVE STE 11 PORT WASHINGTON, WI 53074 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 11.73% |
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY & ASSOC LLC | 101 E GRAND AVE SUITE 11 PORT WASHINGTON, WI 53074 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $206 | $8K | 15.40% |
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY AND ASSOC. LLC | 101 E GRAND AVENUE SUITE 11 PORT WASHINGTON, WI 53074 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $197 | $4K | 11.41% |
| ANSAY & ASSOCIATES LLC3 | 101 E GRAND AVE STE. 11 PORT WASHINGTON, WI 53074 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $90 | $2K | 11.11% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF WISCONSIN | 279 | $2.1M |
| Dental | BLUE CROSS BLUE SHIELD OF WISCONSIN | 142 | $140K |
| Vision | BLUE CROSS BLUE SHIELD OF WISCONSIN | 279 | $2.0M |
| Life insurance(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 205 | $128K |
| Long-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 205 | $99K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 205 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.