| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN&BROWN INSURANCE SERVICES, INC | 1200 N MAYFAIR RD SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $12K | $12K | 2.43% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN&BROWN INSURANCE SERVICES INC. | 1200 N MAYFAIR RD SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 2.19% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN&BROWN INSURANCE SERVICES INC. | 1200 N MAYFAIR RD SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 2.07% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN&BROWN INSURANCE SERVICES, INC | 1200 N MAYFAIR RD SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $594 | $594 | 1.86% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN&BROWN INSURANCE SERVICES, INC | 1200 N MAYFAIR RD SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $684 | $684 | 2.36% |
| BROWN & BROWN INSURANCE SERVICES3 | 1200 N MAYFAIR RD SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $231 | $231 | 2.57% |
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 | 527 | 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) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 786 | $44K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 527 | $500K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 217 | $198K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 518 | $260K |
| Other(7 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 527 | $617K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 786 | — |
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.