| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & R INSURANCE SERVICES INC3 | 1581 E. RACINE AVE WAUKESHA, WI 53186 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.87% |
| R & R INSURANCE SERVICES INC3 Filed as: R & R INSURANCE SERVICES, INC. | PO BOX 1610 WAUKESHA, WI 531871610 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 5.69% |
| R & R INSURANCE SERVICES INC3 | 1581 E. RACINE AVE WAUKESHA, WI 53186 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.97% |
| R & R INSURANCE SERVICES INC3 Filed as: R & R INSURANCE SERVICES | PO BOX 1610 WAUKESHA, WI 53187 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | $1K | — | $1K | 10.00% |
| R & R INSURANCE SERVICES INC3 Filed as: R & R INSURANCE SERVICES, INC. | PO BOX 1610 WAUKESHA, WI 531871610 | DELTA DENTAL OF WISCONSIN | $53 | — | $53 | 7.36% |
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 | 266 | 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) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF WISCONSIN | 164 | $87K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | 145 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 265 | $89K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 264 | $64K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 265 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.