| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 | 333 WEST WISCONSIN AVENUE MILWAUKEE, WI 53202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $64K | $0 | $64K | 10.70% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | UNKNOWN OAK CREEK, WI 53154 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $34K | $34K | 5.71% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1103 HUNTER DRIVE MOUNT PLEASANT, WI 53406 | KAISER FOUNDATION HEALTH PLAN, INC. | $16K | $0 | $16K | 3.88% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1103 HUNTER DRIVE, SUITE 100 MOUNT PLEASANT, WI 53406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 10.05% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC. | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 4.64% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1103 HUNTER DRIVE MOUNT PLEASANT, WI 53406 | DELTA DENTAL OF WISCONSIN | $10K | $0 | $10K | 6.59% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1103 HUNTER DRIVE MOUNT PLEASANT, WI 53406 | WYSSTA INSURANCE COMPANY INC | $2K | $0 | $2K | 8.00% |
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 | 416 | 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) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $1.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WISCONSIN | 248 | $181K |
| Vision | WYSSTA INSURANCE COMPANY INC | 207 | $27K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $185K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $185K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $185K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $1.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.