| 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 | $11K | $3K | $14K | 15.00% |
| 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 | $4K | $0 | $4K | 6.13% |
| VALUE ADDED SOLUTIONS3 | 1161 HERITAGE COURT SUN PRAIRIE, WI 53590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $18K | $24K | 61.90% |
| R & R INSURANCE SERVICES INC3 Filed as: R AND R INSURANCE SERVICES, INC. | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $888 | $9K | 22.60% |
| MARK HOLZINGER3 | 118 EAST HAMILTON AVENUE EAU CLAIRE, WI 54701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $630 | $4K | 11.12% |
| MAGGY SUE LOKKEN3 | 18649 53RD AVENUE CHIPPEWA FALLS, WI 54729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $552 | $3K | 7.07% |
| CORCORAN & HOYT LLC3 Filed as: CORCORAN AND HOYT, LLC | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $885 | $2K | 6.38% |
| PATRICK VICTOR SLATTERY3 | 2066 PLUM ROAD RUDOLPH, WI 55475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $584 | $0 | $584 | 1.53% |
| MJ INSURANCE3 Filed as: JODY ANN WALL AND VARIOUS AGENTS | 1334 ROCKRIDGE ROAD WAUKESHA, WI 53188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $347 | $37 | $384 | 1.01% |
| 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 | 8.00% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 68 | $66K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 112 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURACE COMPANY | 164 | $95K |
| Short-term disability | UNITED OF OMAHA LIFE INSURACE COMPANY | 164 | $95K |
| Long-term disability | UNITED OF OMAHA LIFE INSURACE COMPANY | 164 | $95K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURACE COMPANY | 164 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.