| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD #100 BROOKFIELD, WI 53045 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| BENECO3 Filed as: BENECO OF WI INC | 250 N PATRICK BLVD, STE 100 BROOKFIELD, WI 53045 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 1.42% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES, LLC | PO BOX 510187 NEW BERLIN, WI 53151 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.19% |
| BREAK FREE HOLDINGS LLC3 Filed as: BREAK FREE HOLDINGS, LLC | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $10K | — | $10K | 5.19% |
| ACRISURE LLC3 | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $4K | — | $4K | 2.20% |
| BENECO3 Filed as: BENECO OF WISCONSIN, INC | 250 N PATRICK BLVD, STE 100 BROOKFIELD, WI 53045 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $3 | — | $3 | 0.00% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES, LLC | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 14.90% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD #100 BROOKFIELD, WI 53045 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31 | — | $31 | 0.10% |
| 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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | 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 | 0 | $194K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | 73 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 189 | $31K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $418K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 189 | $642K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.