| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEANNA SCHLIEVE3 | 2519 N HILLCREST PARKWAY STE 201 ALTOONA, WI 54720 | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | $8K | — | $8K | 1.00% |
| THE EMPLOYERS BENEFIT GROUP, LLC3 Filed as: EMPLOYERS BENEFIT GROUP LLC | 3300 BIRCH STREET SUITE 2B EAU CLAIRE, WI 54703 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 7.40% |
| THE EMPLOYERS BENEFIT GROUP, LLC3 Filed as: EMPLOYERS BENEFIT GROUP | 3300 BIRCH STREET SUITE 2B EAU CLAIRE, WI 54703 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.51% |
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 | 122 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 214 | $802K |
| Dental | DELTA DENTAL OF WISCONSIN | 95 | $65K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 122 | $11K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 122 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.