| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 555 MAIN STREET STE 320 RACINE, WI 53403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 6.90% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, INC. | 1103 HUNTER DRIVE MOUNT PLEASANT, WI 53406 | VISION SERVICE PLAN | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 10701 WEST RESEARCH DRIVE MILWAUKEE, WI 53226 | $229K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 INSURANCE AGENT | Contract Administrator; Insurance agents and brokers Service code 13 | 2801 HOOVER ROAD STEVENS POINT, WI 54481 | $18K |
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 | 453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 428 | $42K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 453 | $257K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 453 | $257K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 453 | $257K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 453 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.