| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT ALLIANT LLC | P.O. BOX 11267 MILWAUKEE, WI 532110267 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE COMPANY | $20K | $2K | $23K | 3.21% |
| VIZANCE, INC.3 Filed as: VIZANCE INC. | 1320 WALNUT RIDGE DRIVE SUITE 200 HARTLAND, WI 53029 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 15.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT ALLIANT LLC | P.O. BOX 11267 MILWAUKEE, WI 532110267 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 5.66% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT ALLIANT LLC | P.O. BOX 11267 MILWAUKEE, WI 532110267 | HUMANA INSURANCE COMPANY | $744 | $0 | $744 | 9.62% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT ALLIANT LLC | P.O. BOX 11267 MILWAUKEE, WI 532110267 | HUMANA INSURANCE COMPANY | -$3 | $0 | -$3 | -0.06% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT ALLIANT LLC | P.O. BOX 11267 MILWAUKEE, WI 532110267 | HUMANA INSURANCE COMPANY | $629 | $0 | $629 | 15.02% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE COMPANY | 71 | $712K |
| Dental | HUMANA INSURANCE COMPANY | 68 | $48K |
| Vision | HUMANA INSURANCE COMPANY | 64 | $8K |
| Life insurance | HUMANA INSURANCE COMPANY | 105 | $4K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 39 | $51K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 39 | $51K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 105 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
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.