| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | MEDICA INSURANCE COMPANY | $0 | $575 | $575 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | RELIASTAR LIFE INSURANCE COMPANY | $8K | $0 | $8K | 1.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY STE 450 BROOKFIELD, WI 53045 | WYSSTA INSURANCE COMPANY INC | $4K | $0 | $4K | 8.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 2725 S MOORLAND RD P.O. BOX 510925 NEW BERLIN, WI 53151 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 17.57% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $207 | $1K | 8.26% |
| ASSUREX GLOBAL CORPORATION3 | 6620 MOONEY ST STE 360 DUBLIN, OH 43017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $121 | $121 | 0.67% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $174 | $2K | 13.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 2725 S MOORLAND RD P.O. BOX 510925 NEW BERLIN, WI 53151 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLF PKWY STE 450 BROOKFIELD, WI 53045 | WYSSTA INSURANCE COMPANY INC | $658 | $0 | $658 | 8.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $574 | $0 | $574 | 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 | 901 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 910 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | 1,183 | $9.9M |
| Vision(2 contracts) | WYSSTA INSURANCE COMPANY INC | 340 | $52K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,216 | $497K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,216 | $497K |
| Other(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,216 | $536K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,216 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.