| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CYGANIAK PLANNING INC3 | 3515 N 124TH ST STE 100 BROOKFIELD, WI 53005 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 1.64% |
| ALICE MAGUIRE3 | 4512 TWIN PINES LN WESTON, WI 54476 | AFLAC | $12K | $186 | $12K | 10.32% |
| DONNA M GRENWALT3 | 101 BROOKLYN AVE EDGAR, WI 54426 | AFLAC | $8K | $180 | $8K | 6.79% |
| LOWELL HEISE3 | 134531 COUNTY ROAD U MARATHON, WI 54448 | AFLAC | $6K | $228 | $6K | 5.31% |
| ANTHONY MUELLER3 | ANTHONY MUELLER 1722 N HUME AVE MARSHFIELD, WI 54449 | AFLAC | $3K | — | $3K | 2.79% |
| FAITH MILLER3 | 1910 MONROE ST STEVENS POINT, WI 54481 | AFLAC | $2K | $2 | $2K | 1.54% |
| JAMES CATION3 | 2431 77TH ST S WISCONSIN RAPIDS, WI 54494 | AFLAC | $1K | — | $1K | 1.13% |
| DEBOT & ASSOCIATES INC3 | 2925 WELSBY AV STEVENS POINT, WI 54481 | AFLAC | $711 | — | $711 | 0.62% |
| KATELYN LEA PHILLIPS3 | W5184 PERKINS ST MEDFORD, WI 54451 | AFLAC | $534 | — | $534 | 0.46% |
| BENJAMIN BAKER3 | 5010 ISLE VIEW DR RHINELANDER, WI 54501 | AFLAC | $530 | — | $530 | 0.46% |
| TAD HOWARD ASP3 | 10890 N SMITH RD HAYWARD, WI 54843 | AFLAC | $374 | — | $374 | 0.33% |
| ALISON M MORROW3 | 311 FINANCIAL WAY STE 220 WAUSAU, WA 54401 | AFLAC | $209 | — | $209 | 0.18% |
| CHELSEA JOHNSON3 | 110817 COUNTY ROAD L ATHENS, WI 54411 | AFLAC | $169 | — | $169 | 0.15% |
| KERRI ANN LAMON3 | N15345 WOODY RD PARK FALLS, WI 54552 | AFLAC | $156 | — | $156 | 0.14% |
| ROBERT J DONOHUE3 | 808 FAIRWAY DR MOSINEE, WI 54455 | AFLAC | $123 | — | $123 | 0.11% |
| W BRADFORD DEBOT3 | 2925 WELSBY AVE STEVENS POINT, WA 54481 | AFLAC | $57 | — | $57 | 0.05% |
| KATELYN LEA PHILLIPS3 | W5522 COUNTY ROAD O MEDFORD, WI 54451 | AFLAC | $54 | — | $54 | 0.05% |
| PAULA A RUESCH3 | 231198 PICKARD AVE ABBOTSFORD, WI 54405 | AFLAC | $43 | — | $43 | 0.04% |
| KNUTE NELSON3 | 920 AUTUMN SAGE WAY PFLUGERVILLE, TX 78660 | AFLAC | $34 | — | $34 | 0.03% |
| STEVEN T SPEICHINGER3 | 3008 CHRISTIAN AVE WAUSAU, WI 54401 | AFLAC | $31 | — | $31 | 0.03% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $26 | — | $26 | 0.02% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $26 | — | $26 | 0.02% |
| MELISSA WIDUCKI3 | 3648 COUNTY RD W CRANDON, WI 54520 | AFLAC | $23 | — | $23 | 0.02% |
| WILLIAM F MURRAY III3 Filed as: WILLIAM F MURRAY | 1298 SAINT PATRICK WAY SUN PRAIRIE, WI 53590 | AFLAC | $12 | — | $12 | 0.01% |
| JEREMY KOOI3 | 855 PANORAMA CT APT 203 RICHLAND CENTER, WI 53581 | AFLAC | $8 | — | $8 | 0.01% |
| ROSS C NELSON3 | 440 REGENCY PARKWAY DR STE 23 OMAHA, NE 68114 | AFLAC | $4 | — | $4 | 0.00% |
| CHRISTOPHER P DOOLEY3 | 2903 NORTHWINDS DR EAU CLAIRE, WI 54701 | AFLAC | $4 | — | $4 | 0.00% |
| CHRISTOPHER J ZELLNER3 | 918 ALDORA LN WAUNAKEE, WI 53597 | AFLAC | $3 | — | $3 | 0.00% |
| ADAM THOMAS GARDNER3 | 101 N FARWELL ST STE 203 EAU CLAIRE, WI 54703 | AFLAC | $3 | — | $3 | 0.00% |
| CHRISTINE LOGSLETT3 | 8318 ANNA AVE WIND LAKE, WI 53185 | AFLAC | $3 | — | $3 | 0.00% |
| NATHAN BRONSON3 Filed as: NATHAN A BRONSON | W9160 RIPLEY RD CAMBRIDGE, WI 53523 | AFLAC | $1 | — | $1 | 0.00% |
| REBECCA L PEMBLE3 | 1558 TIMBER RIDGE MOSINEE, WI 54455 | AFLAC | $1 | — | $1 | 0.00% |
| CYGANIAK PLANNING INC3 | 3515 N 124TH ST STE 100 BROOKFIELD, WI 53005 | DELTA DENTAL OF WISCONSIN | $9K | — | $9K | 10.20% |
| CYGANIAK PLANNING INC3 | 3515 N 124TH ST STE 100 BROOKFIELD, WI 53005 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 8.65% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 205 | $1.4M |
| Dental(2 contracts, 2 carriers) | AFLAC | 166 | $200K |
| Vision | WYSSTA INSURANCE COMPANY INC | 97 | $15K |
| Life insurance | AFLAC | 166 | $115K |
| Short-term disability | AFLAC | 166 | $115K |
| Other | AFLAC | 166 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.