| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONETIME CONSULTING3 | 2450 HUMMINGBIRD DRIVE GREEN BAY, WI 54303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 16.14% |
| CORY GILMET3 | 2450 HUMMINGBIRD DRIVE GREEN BAY, WI 54303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.15% |
| SHANNON A LADING3 | 738 WEST 4TH STREET APPLETON, WI 54914 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.77% |
| PAUL W DESPIRITO3 | N 2892 HILLCREST DRIVE HORTONVILLE, WI 54944 | CONTINENTAL AMERICAN INSURANCE COMPANY | $948 | — | $948 | 2.86% |
| AVERGENT LLC3 | 1400 LOMBARDI AVE STE 40 GREEN BAY, WI 54304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $697 | — | $697 | 2.11% |
| EPSIX, INC.3 | 3300 N SCOTTSDALE RD APT 4020 SCOTTSDALE, AZ 852516579 | CONTINENTAL AMERICAN INSURANCE COMPANY | $349 | — | $349 | 1.05% |
| AMY KNUTSON3 Filed as: AMY L KNUTSON | 421 HIGGINS DR EVANSVILLE, WI 53536 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187 | — | $187 | 0.56% |
| KAREN SUE KIEFER3 | 2517 JACOBS CREEK RUN FORT WAYNE, IN 468253192 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187 | — | $187 | 0.56% |
| MICHAEL FRASIER3 | 1196 DYNES WAY SUN PRAIRIE, WI 535903836 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | — | $92 | 0.28% |
| CHRISTOPHER BUMBY3 | 836 THOMAS ST RIPON, WI 549711804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: JASON GALLAGHER | 5576 AUCHTER LN WAUNAKEE, WI 535979182 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 0.25% |
| WILLIAM CHARLES HAGEN3 | 5903 SPARTAN DR APT 5 MC FARLAND, WA 535589210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.10% |
| KYLE G WHELTON3 Filed as: KYLE GREGORY WHELTON | 133 N JACKSON ST APT 429 MILWAUKEE, WI 532026155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.07% |
| TREVOR D MARTIN3 | 716 TIMBER RDG SUN PRAIRIE, WI 535902447 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.07% |
| AVERGENT LLC3 | 1400 LOMBARDI AVE STE 40 GREEN BAY, WI 54304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.56% |
| AVERGENT LLC3 Filed as: AVERGENT, LLC | 1400 LOMBARDI AVENUE SUITE 40 GREEN BAY, WI 54304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $951 | $4K | 17.83% |
| AVERGENT LLC3 Filed as: AVERGENT | 1400 LOMBARDI AVENUE SUITE 40 GREEN BAY, WI 54304 | WYSSTA INSURANCE COMPANY INC | $2K | — | $2K | 8.02% |
| AVERGENT LLC3 Filed as: AVERGENT, LLC | 1400 LOMBARDI AVENUE SUITE 40 GREEN BAY, WI 54304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $643 | $295 | $938 | 14.59% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 119 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $22K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 240 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.