| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABBY ZAHORIK3 | 401 DATA COURT KUNKEL AND ASSOCIATES INC DUBUQUE, IA 52003 | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | $63K | — | $63K | 4.40% |
| ADVANCED BENEFITS3 | 1299 WEST RIVERSTONE DRIVE SUITE 200 COEUR DALENE, ID 83814 | DELTA DENTAL OF WISCONSIN | $7K | — | $7K | 5.35% |
| ABBY ZAHORIK3 | 401 DATA COURT DUBUQUE, IA 52003 | KANSAS CITY LIFE INSURANCE COMPANY | $6K | — | $6K | 11.99% |
| ASSUREDPARTNERS3 Filed as: KUNKEL & ASSOCIATES INC | 401 DATA COURT DUBUQUE, IA 52003 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| ADVANCED BENEFITS3 | 1299 WEST RIVERSTONE DRIVE SUITE 200 COEUR DALENE, ID 83814 | DELTA DENTAL OF WISCONSIN | $481 | — | $481 | 4.99% |
| ASSUREDPARTNERS3 Filed as: KUNKEL & ASSOCIATES INC | 401 DATA COURT DUBUQUE, IA 52003 | VISION SERVICE PLAN | $239 | — | $239 | 11.18% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | 170 | $1.4M |
| Dental(2 contracts) | DELTA DENTAL OF WISCONSIN | 193 | $135K |
| Vision(2 contracts) | VISION SERVICE PLAN | 166 | $19K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 259 | $52K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 259 | $52K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 259 | $52K |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 259 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.