| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFCO OF WISCONSIN, INC3 | 250 N PATRICK BLVD, STE 100 BROOKFIELD, WI 53045 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $20K | — | $20K | 1.81% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | PO BOX 510187 NEW BERLIN, WI 53151 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $17K | — | $17K | 1.53% |
| BENECO3 Filed as: BENECO OF WI INC | 250 N PATRICK BLVD, STE 100 BROOKFIELD, WI 53045 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.22% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES, LLC | PO BOX 510187 NEW BERLIN, WI 53151 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.19% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD #100 BROOKFIELD, WI 53045 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $511 | $2K | 8.68% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES, LLC | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.41% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES,LLC | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.23% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD #100 BROOKFIELD, WI 53045 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $82 | $2K | 7.13% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.80% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD #100 BROOKFIELD, WI 53045 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $364 | $2K | 8.18% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES, LLC | PO BOX 510187 NEW BERLIN, WI 53151 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | $898 | — | $898 | 5.84% |
| BENECO3 Filed as: BENECO OF WISCONSIN, INC | 250 N PATRICK BLVD, SUITE 100 BROOKFIELD, WI 53045 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | $641 | — | $641 | 4.17% |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 32 | $199K |
| Dental | BLUE CROSS BLUE SHIELD OF WISCONSIN | 130 | $1.1M |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | 73 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $23K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 88 | $18K |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF WISCONSIN | 176 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.