| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IB INSURANCE AGENCY, INC3 Filed as: IB INSURANCE AGENCY INC. | 327 N 17TH AVE SUITE 200 WAUSAU, WI 54402 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $17K | — | $17K | 1.39% |
| HARLAN MILLER3 Filed as: HARLAN FORTENBERRY | — | BLUE CROSS BLUE SHIELD OF MS, INC. | $23K | — | $23K | 4.73% |
| IB INSURANCE AGENCY, INC3 | PO BOX 1907 WAUSAU, WI 54402 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 9.31% |
| IB INSURANCE AGENCY, INC3 | PO BOX 1907 WAUSAU, WI 544021907 | WYSSTA INSURANCE COMPANY INC | $2K | — | $2K | 8.00% |
| IB INSURANCE AGENCY, INC3 Filed as: IB INSURANCE AGENCY INC. | 327 N 17TH AVE SUITE 200 WAUSAU, WI 54402 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $150 | — | $150 | 0.61% |
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 | 429 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 431 | 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. | 189 | $1.7M |
| Vision | WYSSTA INSURANCE COMPANY INC | 229 | $26K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 429 | $81K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 429 | $81K |
| Prescription drug(2 contracts) | SECURITY HEALTH PLAN OF WISCONSIN, INC. | 189 | $1.3M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 429 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.