| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2725 S. MOORLAND RD PO BOX 510925 BERLIN, WI 53151 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $60K | $67K | 4.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2725 S. MOORLAND RD PO BOX 510925 BERLIN, WI 53151 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 6.45% |
| MARILYN HUGHES3 Filed as: MARILYN M HUGHES | 159 HICKORY LN DAHLONEGA, GA 30533 | AFLAC | $548 | $11 | $559 | 7.23% |
| ROBERT J DONOHUE3 | 808 FAIRWAY DR MOSINEE, WI 54455 | AFLAC | $64 | $0 | $64 | 0.83% |
| ALISON M MORROW3 | 311 FINANCIAL WAY STE 220 WAUSAU, WI 54401 | AFLAC | $62 | $2 | $64 | 0.83% |
| DONNA M GRENWALT3 | 101 BROOKLYN AVE EDGAR, WI 54426 | AFLAC | $63 | $0 | $63 | 0.82% |
| DALLAS R HUGHES3 | 86 TUCKAWAY DR HENDERSONVILLE, NC 28792 | AFLAC | $48 | $0 | $48 | 0.62% |
| ALICE MAGUIRE3 | 4512 TWIN PINES LN WESTON, WI 54476 | AFLAC | $40 | $0 | $40 | 0.52% |
| W BRADFORD DEBOT3 | 2925 WELSBY AVE STEVENS POINT, WI 54481 | AFLAC | $30 | $0 | $30 | 0.39% |
| DEBOT & ASSOCIATES INC3 | 2925 WELSBY AVE STEVENS POINT, WI 54481 | AFLAC | $26 | $0 | $26 | 0.34% |
| STEVEN T SPEICHINGER3 | 3008 CHRISTIAN AVE WAUSAU, WI 54401 | AFLAC | $26 | $0 | $26 | 0.34% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $24 | $0 | $24 | 0.31% |
| JULIE A FRIEDL3 | N5796 STATE ROAD 22 WILD ROSE, WI 54984 | AFLAC | $14 | $0 | $14 | 0.18% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $10 | $0 | $10 | 0.13% |
| JULIE A FRIEDL3 | W7329 ALP CT WILD ROSE, WI 54984 | AFLAC | $10 | $0 | $10 | 0.13% |
| REBECCA A BAERTSCHI3 | 209 W MAIN ST BROOKLYN, WI 53521 | AFLAC | $8 | $0 | $8 | 0.10% |
| RYAN R KRUEGER3 | 6234 TRANQUIL RIVER LN WAUSAU, WI 54401 | AFLAC | $8 | $0 | $8 | 0.10% |
| CLINTON A SPAETH3 | 225639 SWAN AVE WAUSAU, WI 54401 | AFLAC | $6 | $2 | $8 | 0.10% |
| WILLIAM F MURRAY III3 | 1298 SAINT PATRICK WAY SUN PRAIRIE, WI 53590 | AFLAC | $7 | $0 | $7 | 0.09% |
| KRISTINE M VOEGELI3 | 4301 KENWOOD ST MADISON, WI 53704 | AFLAC | $3 | $0 | $3 | 0.04% |
| JEREMY KOOI3 | 270 SHAKERAG ST MINERAL POINT, WI 53565 | AFLAC | $3 | $0 | $3 | 0.04% |
| ROSS C NELSON3 | 440 REGENCY PARKWAY DR STE 234 OMAHA, NE 68114 | AFLAC | $1 | $0 | $1 | 0.01% |
| CHRISTOPHER P DOOLEY3 | 2903 NORTHWINDS DR EAU CLAIRE, WI 54701 | AFLAC | $1 | $0 | $1 | 0.01% |
| ADAM THOMAS GARDNER3 | 101 N FARWELL ST STE 203 EAU CLAIRE, WI 54703 | AFLAC | $1 | $0 | $1 | 0.01% |
| CHRISTOPHER J ZELLNER3 | 918 ALDORA LN WAUNAKEE, WI 53597 | AFLAC | $1 | $0 | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 2725 S MOORLAND RD NEW BERLIN, WI 53151 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $180 | $22 | $202 | 7.91% |
| DANIEL FROST3 | 241 POYGAN RD OMRO, WI 54963 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $172 | $25 | $197 | 7.71% |
| ADAM J ZAHN3 | 725 E GRANT STREET APPLETON, WI 54911 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $110 | $20 | $130 | 5.09% |
| CAMERON SUTTON ROBERTS3 | N9404 ROSELLA DR APPLETON, WI 54915 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $66 | $24 | $90 | 3.52% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | C/O NORTHERN TRUST BANK CHICAGO, IL 60675 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $87 | $0 | $87 | 3.41% |
| MAYNARD IRVIN HEBERT II3 | 106 CUMBERLYNN DR FOND DU LAC, WI 54935 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $1 | $11 | 0.43% |
| GARSON FINANCIAL SERVICES S C3 | 904 E PEARSON STREET MILWAUKEE, WI 53202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.35% |
| STERLING WEALTH MANAGEMENT LLC3 | W175 N11163 STONEWOOD DR GERMANTOWN, WI 53022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.08% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 372 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 372 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 372 | $1.6M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $136K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $136K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $136K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 372 | $1.6M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.