| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & R INSURANCE SERVICES INC3 Filed as: R & R INSURANCE SERVICES, INC. | 1581 EAST RACINE AVENUE WAUKESHA, WI 53186 | HUMANA INSURANCE COMPANY | $48K | $2K | $50K | 3.70% |
| R & R INSURANCE SERVICES INC3 | 1518 EAST RACINE AVENUE WAUKESHA, WI 53186 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $393 | $6K | 10.68% |
| R & R INSURANCE SERVICES INC3 | 1518 EAST RACINE AVENUE WAUKESHA, WI 53186 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $655 | $9K | 17.21% |
| MARY R ROEMER3 | N16 W26577 WILD OATS DRIVE UNIT E PEWAUKEE, WI 53072 | AFLAC | $85 | — | $85 | 2.91% |
| WILLIAM S GORDON3 | N68 W31092 CLUB CIRCLE WEST HARTLAND, WI 53029 | AFLAC | $60 | — | $60 | 2.05% |
| STELLARUS BENEFITS INC3 | 330 SOUTH EXECUTIVE DRIVE #200 BROOKFIELD, WI 53005 | AFLAC | $48 | — | $48 | 1.64% |
| CHRISTINE LOGSLETT3 | 8318 ANNA AVENUE WIND LAKE, WI 53185 | AFLAC | $39 | — | $39 | 1.33% |
| ROBERT DEFLIEZE3 Filed as: ROBERT A DEFLIEZE | 8122 JACKSON PARK BOULEVARD WAUWATOSA, WI 53213 | AFLAC | $23 | — | $23 | 0.79% |
| KENNETH R STARK3 | 1601 LEGEND HILL LANE WAUKESHA, WI 53189 | AFLAC | $17 | — | $17 | 0.58% |
| JASON SCZEPANIAK3 | 1161 HERITAGE COURT MADISON, WI 53718 | AFLAC | $11 | — | $11 | 0.38% |
| JAMES W BENCIN3 | 11 SHELDRAKE LANE WEST PALM BEACH, FL 33418 | AFLAC | $11 | — | $11 | 0.38% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PLACE LOUISVILLE, KY 40245 | AFLAC | $6 | — | $6 | 0.21% |
| CHRISTOPHER P DOOLEY3 | 2903 NORTHWINDS DRIVE EAU CLAIRE, WI 54701 | AFLAC | $5 | — | $5 | 0.17% |
| ROSS C NELSON3 | 4611 SOUTH 96TH STREET SUITE 100 OMAHA, NE 68127 | AFLAC | $5 | — | $5 | 0.17% |
| WILLIAM F MURRAY III3 | 1298 SAINT PATRICK WAY SUN PRAIRIE, WI 53590 | AFLAC | $1 | — | $1 | 0.03% |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 158 | $1.4M |
| Dental | HUMANA INSURANCE COMPANY | 158 | $1.4M |
| Vision | HUMANA INSURANCE COMPANY | 158 | $1.4M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 353 | $103K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 353 | $52K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 353 | $52K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 353 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.