| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & R INSURANCE SERVICES INC3 | 1581 EAST RACINE AVENUE WAUKESHA, WI 53186 | HARTFORD LIFE AND ACCIDENT | $6K | $327 | $7K | 11.46% |
| COMPASS BENEFITS LLC3 | 1205 CEDAR ROAD MOSINEE, WI 54455 | HARTFORD LIFE AND ACCIDENT | $19 | — | $19 | 0.03% |
| R & R INSURANCE SERVICES INC3 | PO BOX 1610 WAUKESHA, WI 53187 | DELTA DENTAL OF WISCONSIN | $2K | — | $2K | 6.31% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA, LLC | 510 ALDERSON STREET SCHOFIELD, WI 54476 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.76% |
| JOSEPH R JURGENSMIER3 | 238058 NORTH TROY STREET WAUSAU, WI 54403 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.52% |
| COMPASS BENEFITS LLC3 | 1205 CEDAR ROAD KRONENWETTER, WI 54455 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.96% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA C WRIGHT | 421 RUDER STREET WAUSAU, WI 54403 | TRANSAMERICA LIFE INSURANCE COMPANY | $762 | — | $762 | 2.96% |
| MIDWEST SELECT INSURANCE GROUP LLC3 | 1431 OKEEFE DRIVE KRONENWETTER, WI 54455 | TRANSAMERICA LIFE INSURANCE COMPANY | $388 | — | $388 | 1.50% |
| JASON GERUM3 | 510 ALDERSON STREET SCHOFIELD, WI 54476 | TRANSAMERICA LIFE INSURANCE COMPANY | $136 | — | $136 | 0.53% |
| R & R INSURANCE SERVICES INC3 | PO BOX 1610 WAUKESHA, WI 53187 | DELTA DENTAL OF WISCONSIN | $2K | — | $2K | 6.86% |
| R & R INSURANCE SERVICES INC3 | PO BOX 1610 WAUKESHA, WI 53187 | WYSSTA INSURANCE COMPANY INC | $580 | — | $580 | 9.26% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF WISCONSIN | 67 | $55K |
| Vision | WYSSTA INSURANCE COMPANY INC | 81 | $6K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 170 | $57K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 170 | $57K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 170 | $57K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 120 | $300K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 170 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.