| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 1103 HUNTER DRIVE, SUITE 100 MOUNT PLEASANT, WI 53406 | NETWORK HEALTH PLAN | $15K | $0 | $15K | 2.34% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 905494 CHARLOTTE, NC 28290 | NETWORK HEALTH PLAN | $10K | $0 | $10K | 1.60% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 1103 HUNTER DRIVE, SUITE 100 MOUNT PLEASANT, WI 53406 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.87% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 55 EAST 5TH STREET, SUITE 500 SAINT PAUL, MN 55101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $425 | $425 | 1.22% |
| UNKNOWN3 | UNKNOWN OSHKOSH, WI 54904 | WYSSTA INSURANCE COMPANY INC | $912 | $0 | $912 | 8.03% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NETWORK HEALTH PLAN | 84 | $636K |
| Vision | WYSSTA INSURANCE COMPANY INC | 71 | $11K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $35K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $35K |
| Prescription drug | NETWORK HEALTH PLAN | 84 | $636K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
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.