| 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 | $127K | — | $127K | 10.65% |
| ANSAY & ASSOCIATES LLC3 | 2901 W BELTLINE HIGHWAY SUITE 202 MADISON, WI 53713 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 0.55% |
| ANSAY & ASSOCIATES LLC3 | 101 EAST GRAND AVE STE 11 PORT WASHINGTON, WI 53074 | WYSSTA INSURANCE COMPANY INC | $13K | — | $13K | 7.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 800 MARKET ST, STE 1800 ST. LOUIS, MO 63101 | ZURICH AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ANSAY & ASSOCIATES LLC3 | 101 EAST GRAND AVE STE 11 PORT WASHINGTON, WI 53074 | WYSSTA INSURANCE COMPANY INC | $568 | — | $568 | 7.92% |
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 | 1,111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DREXI, INC | 876 | $0 |
| Vision(2 contracts) | WYSSTA INSURANCE COMPANY INC | 1,057 | $169K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,175 | $1.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,175 | $1.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,175 | $1.2M |
| Prescription drug | DREXI, INC | 876 | $0 |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,194 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,194 | — |
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.