| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONETIME CONSULTING3 | 2450 HUMMINGBIRD DRIVE GREEN BAY, WI 54303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 26.98% |
| SHANNON A LADING3 | 738 WEST 4TH STREET APPLETON, WI 54914 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.23% |
| PAUL W DESPIRITO3 | N 2892 HILLCREST DRIVE HORTONVILLE, WI 54944 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.16% |
| AVERGENT LLC3 Filed as: AVERGENT, LLC | 1400 LOMBARDI AVENUE SUITE 40 GREEN BAY, WI 54304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.73% |
| ONE TIME CONSULTING, LLC3 Filed as: ONE TIME CONSULTING LLC | 2450 HUMMINGBIRD DRIVE GREEN BAY, WI 54303 | WYSSTA INSURANCE COMPANY INC | $2K | — | $2K | 7.92% |
| ONE TIME CONSULTING, LLC3 Filed as: ONE TIME CONSULTING LLC | 2450 HUMMINGBIRD DRIVE GREEN BAY, WI 54303 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 6.57% |
| AVERGENT LLC3 Filed as: AVERGENT | 140 LOMBARDI AVENUE SUITE 40 GREEN BAY, WI 54304 | WYSSTA INSURANCE COMPANY INC | $264 | — | $264 | 1.40% |
| AVERGENT LLC3 Filed as: AVERGENT, LLC | 1400 LOMBARDI AVENUE SUITE 40 GREEN BAY, WI 54304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $588 | — | $588 | 10.01% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | WYSSTA INSURANCE COMPANY INC | 117 | $38K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $6K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 86 | $33K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $20K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 242 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.