| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONETIME CONSULTING3 | 2450 HUMMINGBIRD DRIVE GREEN BAY, WI 54304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 10.43% |
| AVERGENT LLC3 | 1400 LOMBARDI AVE STE 40 GREEN BAY, WI 54304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 8.79% |
| EPSIX, INC.3 | 13924 E DYER LN SCOTTSDALE, AZ 85262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.40% |
| PAUL W DESPIRITO3 | N 2892 HILLCREST DRIVE HORTONVILLE, WI 54944 | CONTINENTAL AMERICAN INSURANCE COMPANY | $457 | — | $457 | 1.85% |
| AMY KNUTSON3 Filed as: AMY L KNUTSON | 421 HIGGINS DR EVANSVILLE, WI 53536 | CONTINENTAL AMERICAN INSURANCE COMPANY | $397 | — | $397 | 1.61% |
| KAREN SUE KIEFER3 | 2517 JACOBS CREEK RUN FORT WAYNE, IN 468253192 | CONTINENTAL AMERICAN INSURANCE COMPANY | $397 | — | $397 | 1.61% |
| CHRISTOPHER BUMBY3 | 1005 CAROL AVE RIPON, WI 549711847 | CONTINENTAL AMERICAN INSURANCE COMPANY | $263 | — | $263 | 1.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: JASON GALLAGHER | 5576 AUCHTER LN WAUNAKEE, WI 535979182 | CONTINENTAL AMERICAN INSURANCE COMPANY | $263 | — | $263 | 1.07% |
| SHANNON A LADING3 | 738 WEST 4TH STREET APPLETON, WI 549145445 | CONTINENTAL AMERICAN INSURANCE COMPANY | $245 | — | $245 | 0.99% |
| MICHAEL FRASIER3 | 1196 DYNES WAY SUN PRAIRIE, WI 535903836 | CONTINENTAL AMERICAN INSURANCE COMPANY | $194 | — | $194 | 0.79% |
| WILLIAM CHARLES HAGEN3 | 5709 MAPLE CT MCFARLAND, WI 535588911 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.28% |
| CORY GILMET3 | 2450 HUMMINGBIRD DRIVE GREEN BAY, WI 54304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.26% |
| KYLE G WHELTON3 Filed as: KYLE GREGORY WHELTON | 133 N JACKSON ST APT 429 MILWAUKEE, WI 532026155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.19% |
| TREVOR D MARTIN3 | 716 TIMBER RDG SUN PRAIRIE, WI 535902447 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.19% |
| AVERGENT LLC3 | 1400 LOMBARDI AVE STE 40 GREEN BAY, WI 54304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.56% |
| AVERGENT LLC3 | 1400 LOMBARDI AVE STE 40 GREEN BAY, WI 543043922 | WYSSTA INSURANCE COMPANY INC | $2K | — | $2K | 7.96% |
| AVERGENT LLC3 | 1400 LOMBARDI AVE STE 40 GREEN BAY, WI 54304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $551 | — | $551 | 10.00% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 124 | $20K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $21K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.