| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1205 CEDAR RD KRONENWETTER, WI 54455 | SUN LIFE ASSURANCE COMPANY OF CANADA | $155K | — | $155K | 12.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5600 NEW KING DR STE 210 TROY, MI 48098 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $61K | $61K | 5.02% |
| HUB INTERNATIONAL MIDWEST LIMITED0 | 1205 CEDAR RD KRONENWETTER, WI 54455 | SUN LIFE ASSURANCE COMPANY OF CANADA | $397 | — | $397 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1205 CEDAR RD KRONENWETTER, WI 54455 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $11K | — | $11K | 10.00% |
| ANSAY & ASSOCIATES LLC3 | ACCOUNTING DEPT 101 E GRAND AVE STE 11 PORT WASHINGTON, WI 53074 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 1333.33% |
| ANSAY & ASSOCIATES LLC3 | 888 STATE HWY 153 SUITE 200 MOSINEE, WI 54455 | HARTFORD LIFE AND ACCIDENT | $8 | — | $8 | 9.88% |
| SOVEREIGN INSURANCE GROUP3 | 920 CASSATT RD BERWYN, PA 19312 | ZURICH AMERICAN INSURANCE COMPANY | $0 | — | $0 | — |
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 | 1,044 | 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) | 1,044 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EVO FIRST, INC | 1,320 | $0 |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 2,568 | $107K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,175 | $1.2M |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,175 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,175 | $1.2M |
| Prescription drug | EVO FIRST, INC | 1,320 | $0 |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,175 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,568 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.