| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITSPRO INC.3 Filed as: THE BENEFITSPRO INSURANCE AGENCY, I | W6845 SOUTH SHORE DRIVE DELAVAN, WI 53115 | BLUE CROSS OF CALIFORNIA | $22K | — | $22K | 2.88% |
| JERRY VANNESS3 | W6845 SOUTH SHORE DRIVE DELAVAN, WI 53115 | BLUE CROSS OF CALIFORNIA | $15K | — | $15K | 2.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMINISTRATO | 721 SOUTH PARKER STREET ORANGE, CA 92868 | BLUE CROSS OF CALIFORNIA | — | $15K | $15K | 1.98% |
| JERRY W VAN NESS3 | 529 FREE CHURCH DRIVE WILLIAMS BAY, WI 53191 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $12K | — | $12K | 5.60% |
| BENEFITSPRO INC.3 Filed as: BENEFITSPRO INC | W6845 SOUTH SHORE DRIVE DELAVAN, WI 53115 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 8.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMIN | 721 SOUTH PARKER STREET SUITE 200 ORANGE, CA 92868 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $37 | $5K | 5.52% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 500 TREAT AVENUE SUITE 200 SAN FRANCISCO, CA 94110 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.45% |
| JERRY VANNESS3 | 11 NORTH COLUMBIA STREET NAPERVILLE, IL 60540 | METROPOLITAN LIFE INSURANCE COMPANY | $804 | — | $804 | 0.85% |
| JERRY W VAN NESS3 | 529 FREE CHURCH DRIVE WILLIAMS BAY, WI 53191 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $5K | — | $5K | 5.67% |
| JERRY W VAN NESS3 | 11 NORTH COLUMBIA STREET NAPERVILLE, IL 60540 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | — | $2K | 5.03% |
| JERRY WILLIAMS VAN NESS3 | 11 NORTH COLUMBIA STREET NAPERVILLE, IL 60540 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.77% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.00% |
| BENEFITSPRO INC.3 | 529 FREE CHURCH DRIVE WILLIAMS BAY, WI 53191 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 16.02% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $683 | — | $683 | 7.89% |
| JERRY W VAN NESS3 Filed as: JERRY VAN NESS | 11 NORTH COLUMBIA STREET NAPERVILLE, IL 60540 | TRUSTMARK INSURANCE COMPANY | $302 | — | $302 | 3.49% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 26.06% |
| BENEFITSPRO INC.3 | 529 FREE CHURCH DRIVE WILLIAMS BAY, WI 53191 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 24.89% |
| JERRY W VAN NESS3 Filed as: JERRY VAN NESS | 11 NORTH COLUMBIA STREET NAPERVILLE, IL 60540 | TRUSTMARK INSURANCE COMPANY | $413 | — | $413 | 5.11% |
| BENEFITSPRO INC.3 | 529 FREE CHURCH DRIVE WILLIAMS BAY, WI 53191 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 17.52% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $628 | — | $628 | 8.76% |
| JERRY W VAN NESS3 Filed as: JERRY VAN NESS | 11 NORTH COLUMBIA STREET NAPERVILLE, IL 60540 | TRUSTMARK INSURANCE COMPANY | $250 | — | $250 | 3.49% |
| BENEFITSPRO INC.3 Filed as: BENEFITSPRO INC | W6845 SOUTH SHORE DRIVE DELAVAN, WI 53115 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $435 | — | $435 | 9.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMIN | 721 SOUTH PARKER STREET SUITE 200 ORANGE, CA 92868 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $240 | — | $240 | 5.15% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 500 TREAT AVENUE SUITE 200 SAN FRANCISCO, CA 94110 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | — | $77 | $77 | 1.65% |
| JERRY VANNESS3 | 11 NORTH COLUMBIA STREET NAPERVILLE, IL 60540 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $46 | — | $46 | 0.99% |
| JERRY W VAN NESS3 Filed as: JERRY VAN NESS | 529 FREE CHURCH DRIVE WILLIAMS BAY, WI 53191 | LANDMARK HEALTHPLAN | $410 | — | $410 | 10.00% |
| BENEFITSPRO INC.3 | 529 FREE CHURCH DRIVE WILLIAMS BAY, WI 53191 | TRUSTMARK INSURANCE COMPANY | $445 | — | $445 | 13.44% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $328 | — | $328 | 9.90% |
| JERRY W VAN NESS3 Filed as: JERRY VAN NESS | 11 NORTH COLUMBIA STREET NAPERVILLE, IL 60540 | TRUSTMARK INSURANCE COMPANY | $102 | — | $102 | 3.08% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 43 | $1.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $99K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $95K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $52K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $44K |
| Other(6 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
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.