| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 9.44% |
| ACRISURE LLC3 | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $821 | — | $821 | 1.49% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $921 | $3K | 10.35% |
| ACRISURE LLC3 | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $512 | — | $512 | 1.94% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | WYSSTA INSURANCE COMPANY INC | $2K | — | $2K | 8.00% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | DEARBORN LIFE INSURANCE COMPANY | $484 | — | $484 | 10.25% |
| BENCECO OF WISCONSIN, INC3 | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | DEARBORN LIFE INSURANCE COMPANY | $459 | — | $459 | 9.72% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $404 | $162 | $566 | 12.31% |
| ACRISURE LLC3 | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $148 | — | $148 | 3.22% |
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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 177 | $26K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $55K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 160 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.