| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS BENEFITS LLC3 | 1205 CEDAR RD. KRONENWETTER, WI 54455 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $21K | — | $21K | 1.62% |
| COMPASS BENEFITS LLC3 | 1205 CEDAR RD. KRONENWETTER, WI 54455 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $12K | — | $12K | 2.07% |
| HARLAN MILLER3 Filed as: HARLAN FORTENBERRY | — | BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | $16K | — | $16K | 3.31% |
| IB INSURANCE AGENCY, INC3 | PO BOX 1907 WAUSAU, WI 54402 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 2.83% |
| COMPASS INSURANCE AGENCY, INC.3 Filed as: COMPASS INSURANCE SERVICES | 1205 CEDAR RD MOSINEE, WI 544557911 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 2.48% |
| COMPASS BENEFITS LLC3 | 1205 CEDAR RD. KRONENWETTER, WI 54455 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $210 | — | $210 | 0.75% |
| IB INSURANCE AGENCY, INC3 | PO BOX 1907 WAUSAU, WI 544021907 | WYSSTA INSURANCE COMPANY INC | $2K | — | $2K | 8.63% |
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 | 482 | 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) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | SECURITY HEALTH PLAN OF WISCONSIN, INC. | 173 | $2.4M |
| Vision | WYSSTA INSURANCE COMPANY INC | 212 | $25K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 700 | $174K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 700 | $174K |
| Prescription drug(3 contracts) | SECURITY HEALTH PLAN OF WISCONSIN, INC. | 173 | $1.9M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 700 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 700 | — |
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.
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.