| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & R INSURANCE SERVICES INC3 Filed as: R AND R INSURANCE SERVICES, INC. | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | UNITED OF OMAHA LIFE INSURACE COMPANY | $5K | $0 | $5K | 12.39% |
| R & R INSURANCE SERVICES INC3 Filed as: R AND R INSURANCE SERVICES, INC. | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | DELTA DENTAL OF WISCONSIN | $2K | $0 | $2K | 6.18% |
| R & R INSURANCE SERVICES INC3 Filed as: R AND R INSURANCE SERVICES, INC. | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | WYSSTA INSURANCE COMPANY INC. | $1K | $0 | $1K | 8.03% |
| JOSEPH R JURGENSMIER3 Filed as: JOSEPH R. JURGENSMIER | 238058 NORTH TROY STREET WAUSAU, WI 55403 | TRANSAMERICA LIFE INSURANCE COMPANY | $468 | $0 | $468 | 5.23% |
| ADVANTAGE GROUP INC.3 Filed as: ADVANTAGE GROUP, LLC | 510 ALDERSON STREET SCHOFIELD, WI 54476 | TRANSAMERICA LIFE INSURANCE COMPANY | $459 | $0 | $459 | 5.13% |
| JOSHUA C. WIRGHT3 | 421 RUDER STREET WAUSAU, WI 55403 | TRANSAMERICA LIFE INSURANCE COMPANY | $261 | $0 | $261 | 2.92% |
| COMPASS BENEFITS LLC3 Filed as: COMPASS BENEFITS, LLC | 1205 CEDAR ROAD KRONENWETTER, WI 54455 | TRANSAMERICA LIFE INSURANCE COMPANY | $169 | $0 | $169 | 1.89% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INSURANCE GROUP, LLC | 1431 OKEEFE DRIVE KRONENWETTER, WI 54455 | TRANSAMERICA LIFE INSURANCE COMPANY | $101 | $0 | $101 | 1.13% |
| JASON GERUM3 | 510 ALDERSON STREET SCHOFIELD, WI 54476 | TRANSAMERICA LIFE INSURANCE COMPANY | $60 | $0 | $60 | 0.67% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 115 | $29K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 102 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURACE COMPANY | 167 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURACE COMPANY | 167 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURACE COMPANY | 167 | $41K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURACE COMPANY | 167 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.