| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED RISK SOLUTIONS3 | 2120 PEWAUKEE RD., SUITE 202 WAUKESHA, WI 53188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 2.68% |
| INTEGRATED RISK SOLUTIONS3 | 2120 PEWAUKEE RD., SUITE 202 WAUKESHA, WI 53188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 16.17% |
| INTEGRATED RISK SOLUTIONS3 | 2120 PEWAUKEE RD., SUITE 202 WAUKESHA, WI 53188 | WYSSTA INSURANCE COMPANY INC. | $2K | $0 | $2K | 8.00% |
| INTEGRATED RISK SOLUTIONS3 | 2120 PEWAUKEE RD., SUITE 202 WAUKESHA, WI 53188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $361 | $0 | $361 | 3.91% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, INC. | 555 MAIN STREET, SUITE 220 RACINE, WI 53403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $227 | $0 | $227 | 2.46% |
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 | 517 | 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) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 196 | $2.3M |
| Dental | DELTA DENTAL OF WISCONSIN | 162 | $119K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 124 | $24K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 517 | $489K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 517 | $454K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 517 | $454K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 517 | $499K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.