| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1103 HUNTER DRIVE RACINE, WI 53406 | DEAN HEALTH PLAN INC | $28K | $0 | $28K | 1.33% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 14 SHADE TREE COURT MADISON, WI 53717 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $41K | $0 | $41K | 14.50% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.50% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1103 HUNTER DRIVE RACINE, WI 53406 | DELTA DENTAL OF WISCONSIN | $10K | $0 | $10K | 4.04% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1103 HUNTER DRIVE RACINE, WI 53406 | ARMADACARE | $2K | $0 | $2K | 1.85% |
| UNKNOWN3 | UNKNOWN JANESVILLE, WI 53546 | WYSSTA INSURANCE COMPANY INC | $2K | $0 | $2K | 7.78% |
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 | 246 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DEAN HEALTH PLAN INC | 426 | $2.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WISCONSIN | 248 | $378K |
| Vision(2 contracts, 2 carriers) | ARMADACARE | 193 | $150K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $284K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $284K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $284K |
| Prescription drug(2 contracts, 2 carriers) | DEAN HEALTH PLAN INC | 426 | $2.2M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.