| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIERL INSURANCE INC3 Filed as: HIERL INS INC | 325 TROWBRIDGE DR FOND DU LAC, WI 54937 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $2K | $21K | 16.50% |
| HIERL INSURANCE INC3 Filed as: HIERL INS INC | 325 TROWBRIDGE DR FOND DU LAC, WI 54937 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $1K | $17K | 21.50% |
| HIERL INSURANCE INC3 Filed as: HIERL INS INC | 325 TROWBRIDGE DR FOND DU LAC, WI 54937 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $1K | $13K | 16.50% |
| HIERL INSURANCE INC3 Filed as: HIERL INS INC | 325 TROWBRIDGE DR FOND DU LAC, WI 54937 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 24.00% |
| HIERL INSURANCE INC3 | PO BOX 949 FOND DU LAC, WI 54936 | WYSSTA INSURANCE COMPANY INC | $4K | — | $4K | 8.03% |
| HIERL INSURANCE INC3 Filed as: HIERL INS INC | 325 TROWBRIDGE DR FOND DU LAC, WI 54937 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $159 | $2K | 21.51% |
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 | 519 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 353 | $54K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 566 | $167K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 566 | $128K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 566 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.