| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARDS BENEFITS & FINANCIAL3 Filed as: RICHARDS BENEFITS & FINANCIAL SRV | PO BOX 277 BEAVER DAM, WI 53916 | BLUE CROSS & BLUE SHIELD OF WISCONSIN | $42K | — | $42K | 1.90% |
| RICHARDS BENEFITS & FINANCIAL3 Filed as: RICHARDS BENEFITS & FINANCIAL SRV | PO BOX 277 BEAVER DAM, WI 53916 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $21K | — | $21K | 11.91% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| RICHARDS BENEFITS & FINANCIAL3 Filed as: RICHARDS BENEFITS & FINANCIAL SRV | 120 PARK AVE PO BOX 277 BEAVER DAM, WI 53916 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.27% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.72% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| RICHARDS BENEFITS & FINANCIAL3 Filed as: RICHARDS BENEFITS & FINANCIAL SERV. | 120 PARK AVE PO BOX 277 BEAVER DAM, WI 53916 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $658 | $658 | 1.51% |
| WBA EMPLOYEE BENEFITS CORP3 Filed as: WBA - EMPLOYEE BENEFIT CORP | 4721 S BILTMORE LANE MADISON, WI 53718 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | $2K | — | $2K | 7.45% |
| RICHARDS BENEFITS & FINANCIAL3 Filed as: RICHARDS BENEFITS & FINANCIAL SRV | 120 PARK AVE PO BOX 277 BEAVER DAM, WI 53916 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.80% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $377 | $377 | 1.50% |
| RICHARDS BENEFITS & FINANCIAL3 Filed as: RICHARDS BENEFITS & FINANCIAL SRV | 120 PARK AVE PO BOX 277 BEAVER DAM, WI 53916 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $588 | — | $588 | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $196 | — | $196 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $67 | $67 | 1.71% |
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 | 226 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF WISCONSIN | 297 | $2.4M |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | 367 | $29K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 209 | $78K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 178 | $44K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 209 | $25K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 289 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.