| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRACY TSCHANZ3 | 2725 S MOORLAND ROAD NEW BERLIN, WI 53151 | WPS HEALTH PLAN INC | $23K | — | $23K | 4.00% |
| TRACY TSCHANZ3 | 2725 S MOORLAND ROAD NEW BERLIN, WI 53151 | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | $16K | — | $16K | 3.99% |
| PAUL WHITE3 | 340 MACCORKLE AVE. SE SUITE 200 CHARLESTON, WV 25314 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $9K | — | $9K | 2.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 245 S EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 7.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 1.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 510925 NEW BERLIN, WI 53151 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 5.89% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INSURANCE GROUP | PO BOX 207 MOSINEE, WI 54455 | ALLSTATE | $700 | — | $700 | 6.19% |
| ROBERT J DONOHUE3 Filed as: ROBERT DONOHUE | PO BOX 207 MOSINEE, WI 54455 | ALLSTATE | $589 | — | $589 | 5.21% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | ALLSTATE | $488 | — | $488 | 4.31% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WEST VIRGINIA | 340 MACCORKLE AVE SE SUITE 200 CHARLESTON, WV 253141100 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $417 | $627 | $1K | 12.52% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | HUMANA BEHAVIORAL HEALTH INC | $25 | $474 | $499 | 80.61% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | WPS HEALTH PLAN INC | 67 | $1.4M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 95 | $75K |
| Vision(2 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 95 | $426K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 186 | $129K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 186 | $129K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 186 | $129K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 186 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.