| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHWARZ INSURANCE AGENCY INC3 Filed as: SCHWARZ INSURANCE AGENCY | 1420 NORTH RIDGE DRIVE PO BOX 40 PRAIRIE DU SAC, WI 53578 | UNITY HEALTH PLANS INSURANCE CORPORATION | $21K | — | $21K | 1.91% |
| SCHWARZ INSURANCE AGENCY INC3 Filed as: SCHWARZ INSURANCE AGENCY | 1420 NORTH RIDGE DRIVE PO BOX 40 PRAIRIE DU SAC, WI 53578 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 7.11% |
| SCHWARZ INSURANCE AGENCY INC3 Filed as: SCHWARZ INSURANCE AGENCY | 1420 NORTH RIDGE DRIVE PO BOX 40 PRAIRIE DU SAC, WI 53578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.25% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD STE 201 NAPERVILLE, IL 605632786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.75% |
| SCHWARZ INSURANCE AGENCY INC3 Filed as: SCHWARZ INSURANCE AGENCY | 1420 NORTH RIDGE DRIVE PO BOX 40 PRAIRIE DU SAC, WI 53578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD STE 201 NAPERVILLE, IL 605632786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| SCHWARZ INSURANCE AGENCY INC3 Filed as: SCHWARZ INSURANCE AGENCY | 1420 NORTH RIDGE DRIVE PO BOX 40 PRAIRIE DU SAC, WI 53578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 11.25% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD STE 201 NAPERVILLE, IL 605632786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $848 | — | $848 | 3.75% |
| SCHWARZ INSURANCE AGENCY INC Filed as: SCHWARZ INSURANCE AGENCY | 1420 NORTH RIDGE DRIVE PO BOX 40 PRAIRIE DU SAC, WI 53578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD STE 201 NAPERVILLE, IL 605632786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $562 | — | $562 | 5.00% |
| SCHWARZ INSURANCE AGENCY INC3 Filed as: SCHWARZ INSURANCE AGENCY | 1420 NORTH RIDGE DRIVE PO BOX 40 PRAIRIE DU SAC, WI 53578 | SUPERIOR VISION PLAN OF WISCONSIN INC | $590 | — | $590 | 9.76% |
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. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 99 | $78K |
| Vision | SUPERIOR VISION PLAN OF WISCONSIN INC | 63 | $6K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $50K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $29K |
| Prescription drug | UNITY HEALTH PLANS INSURANCE CORPORATION | 214 | $1.1M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $50K |
| 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.
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.