| 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 INSURANCE COMPANY | $62K | — | $62K | 2.83% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: THE BENEFIT SERVICES GROUP | PO BOX 78117 MILWAUKEE, WI 53278 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORP | $57K | — | $57K | 2.78% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: THE BENEFIT SERVICES GROUP | PO BOX 78117 MILWAUKEE, WI 53278 | RELIASTAR LIFE INSURANCE COMPANY | $19K | — | $19K | 18.07% |
| BENEFIT SERVICES GROUP, INC. Filed as: THE BENEFIT SERVICES GROUP | PO BOX 78117 MILWAUKEE, WI 53278 | CALIFORNIA CHOICE | $6K | — | $6K | 6.33% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: THE BENEFIT SERVICES GROUP | PO BOX 78117 MILWAUKEE, WI 53278 | RELIASTAR LIFE INSURANCE COMPANY | $16K | — | $16K | 18.13% |
| BENEFIT SERVICES GROUP, INC. Filed as: THE BENEFIT SERVICES GROUP | PO BOX 78117 MILWAUKEE, WI 53278 | VISION INSURANCE PLAN | $3K | — | $3K | 5.00% |
| DELTA DENTAL OF WISCONSIN5 | PO BOX 828 STEVENS POINT, WI 54481 | DELTA DENTAL OF WISCONSIN | — | $12K | $12K | — |
| INGENIUM PRIME INC3 Filed as: INGENIUM PRIME, LLC | N25 W23050 PAUL RD PEWAUKEE, WI 53072 | DELTA DENTAL OF WISCONSIN | $2K | — | $2K | — |
| DELTA DENTAL OF WISCONSIN5 | PO BOX 828 STEVENS POINT, WI 54481 | DELTA DENTAL OF WISCONSIN | — | $11K | $11K | — |
| INGENIUM PRIME INC3 Filed as: INGENIUM PRIME, LLC | N25 W23050 PAUL RD PEWAUKEE, WI 53072 | DELTA DENTAL OF WISCONSIN | $2K | — | $2K | — |
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 | 377 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 202 | $4.3M |
| Dental(2 contracts) | DELTA DENTAL OF WISCONSIN | 227 | $0 |
| Vision | VISION INSURANCE PLAN | 252 | $54K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 453 | $108K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 419 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.