| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIVER VALLEY INSURANCE AGENCY INC3 Filed as: RIVER VALLEY INSURANCE AGENCY | 327 N 17TH AVE STE 101 PO BOX 1907 WAUSAU, WI 54402 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $9K | — | $9K | 0.63% |
| COMPASS BENEFITS LLC3 | 1205 CEDAR RD MOSINEE, WI 54455 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $7K | — | $7K | 0.49% |
| HARLAN MILLER3 Filed as: HARLAN FORTENBERRY | — | BLUE CROSS BLUE SHIELD OF MS, INC. | $19K | — | $19K | 4.21% |
| RIVER VALLEY INSURANCE AGENCY INC3 | PO BOX 1907 WAUSAU, WI 54402 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.82% |
| COMPASS INSURANCE AGENCY, INC.3 Filed as: COMPASS INSURANCE SERVICES | 1205 CEDAR ROAD MOSINEE, WI 544557911 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.17% |
| RIVER VALLEY INSURANCE AGENCY INC3 Filed as: RIVER VALLEY INSURANCE AGENCY | 327 N 17TH AVE STE 101 PO BOX 1907 WAUSAU, WI 54402 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $161 | — | $161 | 0.36% |
| COMPASS BENEFITS LLC3 | 1205 CEDAR RD MOSINEE, WI 54455 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $113 | — | $113 | 0.25% |
| RIVER VALLEY INSURANCE AGENCY INC3 Filed as: RIVER VALLEY INSURANCE | PO BOX 1907 WAUSAU, WI 544021907 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 4.67% |
| COMPASS BENEFITS LLC3 | 1205 CEDAR RD MOSINEE, WI 54455 | WYSSTA INSURANCE COMPANY INC | $886 | — | $886 | 3.34% |
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 | 520 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | SECURITY HEALTH PLAN OF WISCONSIN, INC. | 228 | $2.0M |
| Vision | WYSSTA INSURANCE COMPANY INC | 231 | $27K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 809 | $85K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 809 | $85K |
| Prescription drug(2 contracts) | SECURITY HEALTH PLAN OF WISCONSIN, INC. | 228 | $1.5M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 809 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 809 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.