| 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 | $19K | — | $19K | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | BLUE CROSS & BLUE SHIELD OF WISCONSIN | $2K | — | $2K | 0.06% |
| 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 | 4.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 245 S EXECUTIVE DRIVE STE 200 BROOKFIELD, WI 53005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.65% |
| RICHARDS BENEFITS & FINANCIAL3 Filed as: RICHARDS BENEFITS & FINANCIAL SRV | PO BOX 277 BEAVER DAM, WI 53916 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $19K | — | $19K | 29.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $2K | — | $2K | 2.48% |
| 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 | 4.16% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $405 | $405 | 0.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 245 S EXECUTIVE DRIVE STE 200 BROOKFIELD, WI 53005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $395 | — | $395 | 0.84% |
| 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 | 7.58% |
| 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 | 8.45% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 245 S EXECUTIVE DRIVE STE 200 BROOKFIELD, WI 53005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $461 | — | $461 | 1.82% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $233 | $233 | 0.92% |
| RICHARDS BENEFITS & FINANCIAL3 Filed as: RICHARDS BENEFITS & FINANCIAL SRV | 120 PARK AVE PO BOX 277 BEAVER DAM, WI 53916 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $441 | — | $441 | 12.55% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $176 | — | $176 | 5.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 245 S EXECUTIVE DRIVE STE 200 BROOKFIELD, WI 53005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $86 | — | $86 | 2.45% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $36 | $36 | 1.02% |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | 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 | 245 | $2.7M |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | 340 | $28K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 224 | $79K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $47K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 224 | $25K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 293 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
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.