| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSENTHAL BROS INC3 Filed as: ROSENTHAL BROS. INC. | 740 WAUKEGAN ROAD, STE. 402 DEERFIELD, IL 60015 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | — | — | $0 | 0.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4211 W BOY SCOUT BLVD STE 900 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $79K | $2K | $82K | 16.33% |
| ROSENTHAL BROS INC3 | 740 WAUKEGAN ROAD, STE. 402 DEERFIELD, IL 60015 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $2K | — | $2K | 0.40% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNE | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $13K | 15.34% |
| N-GAGE LLC3 | 1999 PINE CREST ROAD GREEN BAY, WI 54313 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.94% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF WISCONSIN | 581 | $587K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF WISCONSIN | 581 | $587K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 215 | $29K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $87K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $87K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.