| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SERVICES GROUP, INC.3 Filed as: THE BENEFIT SERVICES GROUP | PO BOX 78117 MILWAUKEE, WI 53278 | HUMANA | $107K | $18K | $125K | 3.80% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: THE BENEFIT SERVICES GROUP | PO BOX 78117 MILWAUKEE, WI 53278 | KAISER PERMAMENTE | $6K | — | $6K | 6.50% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: THE BENEFIT SERVICES GROUP | PO BOX 78117 MILWAUKEE, WI 53278 | LIBERTY MUTUAL - LIFE | $12K | — | $12K | 13.77% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: THE BENEFIT SERVICES GROUP | PO BOX 78117 MILWAUKEE, WI 53278 | LIBERTY MUTUAL - LTD | $12K | — | $12K | 13.76% |
| BENEFIT SERVICES GROUP, INC. Filed as: THE BENEFIT SERVICES GROUP | PO BOX 78117 MILWAUKEE, WI 53278 | VISION INSURANCE PLAN | $2K | — | $2K | 4.58% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: THE BENEFIT SERVICES GROUP | PO BOX 78117 MILWAUKEE, WI 53278 | LIBERTY MUTUAL - STD | $0 | — | $0 | 0.00% |
| BENEFIT SERVICES GROUP, INC. Filed as: BENEFIT SERVICES GROUP | PO BOX 78117 MILWAUKEE, WI 53278 | KANAWHA INSURANCE COMPANY | $103 | — | $103 | 2.11% |
| HUMANA MARKETPOINT INC Filed as: HUMANA MARKETPOINT | 500 W MAIN LOUISVILLE, KY 40202 | KANAWHA INSURANCE COMPANY | $11 | — | $11 | 0.23% |
| DELTA DENTAL OF WISCONSIN5 | PO BOX 828 STEVENS POINT, WI 54481 | DELTA DENTAL OF WISCONSIN | — | $11K | $11K | — |
| BENEFIT SERVICES GROUP, INC.3 Filed as: THE BENEFIT SERVICES GROUP | PO BOX 78117 MILWAUKEE, WI 53278 | DELTA DENTAL OF WISCONSIN | $2K | — | $2K | — |
| DELTA DENTAL OF WISCONSIN5 | PO BOX 828 STEVENS POINT, WI 54481 | DELTA DENTAL OF WISCONSIN | — | $11K | $11K | — |
| BENEFIT SERVICES GROUP, INC.3 Filed as: THE BENEFIT SERVICES GROUP | PO BOX 88911 MILWAUKEE, WI 53288 | DELTA DENTAL OF WISCONSIN | $1K | — | $1K | — |
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 | 368 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 368 | $3.3M |
| Dental(2 contracts) | DELTA DENTAL OF WISCONSIN | 221 | $0 |
| Vision | VISION INSURANCE PLAN | 525 | $49K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY MUTUAL - LIFE | 444 | $171K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY MUTUAL - LIFE | 444 | $171K |
| Other(2 contracts, 2 carriers) | LIBERTY MUTUAL - STD | 444 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.