| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $12K | $0 | $12K | 2.57% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | HUMANA INSURANCE COMPANY | $2K | $144 | $3K | 8.66% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $297 | $3K | 14.54% |
| JEAN STEINMETZ3 | 1175 VERANDA COURT BROOKFIELD, WI 53005 | AFLAC | $1K | $0 | $1K | 8.69% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | AFLAC | $902 | $0 | $902 | 6.92% |
| MORGAN E MARKOWSKI3 Filed as: MORGAN MARKOWSKI | 1550 NORTH WARREN AVENUE APARTMENT 102 MILWAUKEE, WI 53202 | AFLAC | $274 | $0 | $274 | 2.10% |
| DEBRA S. HERBERS AND OTHER AGENTS3 Filed as: DEBRA HERBERS AND OTHER AGENTS | 410 PRAIRIE MEADOW DRIVE BLUE GRASS, IA 52726 | AFLAC | $220 | $0 | $220 | 1.69% |
| JAMEY MILLER INC3 Filed as: JAMEY MILLER, INC. | 12942 193RD AVENUE EAST BONNEY LAKE, WA 98391 | AFLAC | $190 | $0 | $190 | 1.46% |
| CHRISTINE LOGSLETT3 | 8318 ANNA AVENUE WIND LAKE, WI 53185 | AFLAC | $111 | $0 | $111 | 0.85% |
| JACK D BREES3 Filed as: JACK BREES | 2989 SOUTH WAUKESHA ROAD WEST ALLIS, WI 53227 | AFLAC | $45 | $0 | $45 | 0.35% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $254 | $2K | 12.79% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE, SUITE 400 BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $114 | $114 | 0.90% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 68 | $485K |
| Dental | HUMANA INSURANCE COMPANY | 59 | $29K |
| Vision | HUMANA INSURANCE COMPANY | 59 | $29K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 143 | $31K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 69 | $18K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 68 | $485K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 143 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.