| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 51187 NEW BERLIN, WI 53151 | DELTA DENTAL OF WISCONSIN | $4K | — | $4K | 6.21% |
| ACRISURE LLC3 | DBA HNI RISK SERVICES 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | RELIANCE STANDARD | $9K | — | $9K | 21.32% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BLDG 1 SUITE 100 AUSTIN, TX 78766 | RELIANCE STANDARD | — | $2K | $2K | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS OF WISCONSIN | PO BOX 901 NAPERVILLE, IL 60566 | RELIANCE STANDARD | $2K | — | $2K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA | HNI RISK SERVICES LLC 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $191 | $3K | 11.36% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | DBA HNI RISK SERVICES 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.28% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA | HNI RISK SERVICES LLC 16805 W CLEVELAND AVENUE NEW BERLIN, WI 53151 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $86 | $2K | 19.05% |
| ACRISURE LLC3 | PO BOX 51187 NEW BERLIN, WI 531510187 | WYSSTA INSURANCE COMPANY INC | $763 | — | $763 | 8.06% |
| ACRISURE LLC3 | DBA HNI RISK SERVICES LLC 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $731 | — | $731 | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $365 | — | $365 | 4.99% |
| ACRISURE LLC3 | DBA HNI RISK SERVICES PO BOX 510187 NEW BERLIN, WI 53151 | UNITED HEALTHCARE INSURANCE COMPANY | $669 | — | $669 | 10.01% |
| ACRISURE LLC3 | DBA HNI RISK SERVICES LLC 16805 W CLEAVLAND AVE NEW BERLIN, WI 53151 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $372 | — | $372 | 6.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $310 | — | $310 | 5.00% |
| ACRISURE LLC3 | DBA HNI RISK SERVICES LLC 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $64 | — | $64 | 10.14% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32 | — | $32 | 5.07% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 139 | $66K |
| Vision | WYSSTA INSURANCE COMPANY INC | 118 | $9K |
| Life insurance(3 contracts, 3 carriers) | RELIANCE STANDARD | 173 | $73K |
| Short-term disability(3 contracts, 3 carriers) | RELIANCE STANDARD | 173 | $72K |
| Other(7 contracts, 4 carriers) | RELIANCE STANDARD | 173 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.