| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | N14W23900 STONE RIDGE DR. WAUKESHA, WI 531881135 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $4K | — | $4K | 0.21% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | -$50 | — | -$50 | -0.00% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | N14W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | DELTA DENTAL OF WISCONSIN | $11K | — | $11K | 9.17% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | N14W23900 STONE RIDGE DR. WAUKESHA, WI 531881135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $10K | 9.84% |
| R&R INSURANCE SERVICE INC3 Filed as: R&R INSURANCE SERVICE | N14W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $723 | $7K | 15.47% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | N14W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | WYSSTA INSURANCE COMPANY, INC. | $1K | — | $1K | 8.04% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE DR MADISON, WI 53713 | UNUM INSURANCE COMPANY | $2K | $218 | $2K | 15.75% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | UNUM INSURANCE COMPANY | $617 | $122 | $739 | 4.96% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE DR. MADISON, WI 53713 | UNUM INSURANCE COMPANY | $2K | $186 | $2K | 14.49% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | UNUM INSURANCE COMPANY | $735 | $146 | $881 | 6.37% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | UNUM INSURANCE COMPANY | $2K | $229 | $2K | 20.79% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 335 | $2.1M |
| Dental | DELTA DENTAL OF WISCONSIN | 198 | $116K |
| Vision | WYSSTA INSURANCE COMPANY, INC. | 172 | $19K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $151K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $107K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $107K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.