| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANSAY & ASSOCIATES LLC3 | 888 STATE HWY 153 SUITE 200 MOSINEE, WI 54455 | HARTFORD LIFE AND ACCIDENT | $143K | — | $143K | 11.47% |
| ANSAY & ASSOCIATES LLC3 | 2901 W BELTLINE HIGHWAY SUITE 202 MADISON, WI 53713 | HARTFORD LIFE AND ACCIDENT | $0 | $8K | $8K | 0.61% |
| ANSAY & ASSOCIATES LLC3 | 888 STATE HWY 153 SUITE 200, P.O. BOX 40 MOSINEE, WI 54455 | BENISTAR GROUP RETIREE HEALTH SOLUTIONS | $6K | — | $6K | 2.23% |
| ANSAY & ASSOCIATES LLC3 | 888 STATE HWY 153 SUITE 200 MOSINEE, WI 54455 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 5.05% |
| THE PARTNERS GROUP3 Filed as: TPG GROUP INC | 10 TOWER LANE SUITE 100 AVON, CT 06001 | HARTFORD LIFE AND ACCIDENT | $162 | — | $162 | 0.06% |
| ANSAY & ASSOCIATES LLC3 | 101 EAST GRAND AVE STE 11 PORT WASHINGTON, WI 53074 | WYSSTA INSURANCE COMPANY INC | $13K | — | $13K | 8.01% |
| ANSAY & ASSOCIATES LLC3 | 101 EAST GRAND AVE STE 11 PORT WASHINGTON, WI 53074 | WYSSTA INSURANCE COMPANY INC | $613 | — | $613 | 7.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 701 MARKET STREET SUITE 100 ST. LOUIS, MO 63101 | 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 | 1,217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 131 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BENISTAR GROUP RETIREE HEALTH SOLUTIONS | 925 | $267K |
| Vision(2 contracts) | WYSSTA INSURANCE COMPANY INC | 1,063 | $166K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,146 | $1.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,146 | $1.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,146 | $1.2M |
| Prescription drug | RXBENEFITS, INC. | 925 | $0 |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,166 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,166 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.