| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R&R INSURANCE3 Filed as: R&R INSURANCE, INC. | N14 W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | PREVEA360 HEALTH PLAN | $21K | — | $21K | 3.15% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | 1581 E. RACINE WAUKESHA, WI 53186 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $4K | $6K | 23.50% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | N14 W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | WYSSTA INSURANCE COMPANY, INC. | $664 | — | $664 | 8.58% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | 1581 E. RACINE WAUKESHA, WI 53186 | TRANSAMERICA LIFE INSURANCE COMPANY | $685 | — | $685 | 10.00% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREVEA360 HEALTH PLAN | 159 | $679K |
| Vision | WYSSTA INSURANCE COMPANY, INC. | 57 | $8K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 2 | $7K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 73 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.