| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSMANN-JOHNSON INSURANCE INC3 Filed as: HAUSMANN-JOHNSON INSURANCE | PO BOX 259408 MADISON, WI 53725 | AMERICAN NATIONAL INSURANCE COMPANY | $48K | $4K | $52K | 19.77% |
| AUXIANT3 | 2450 RIMROCK RD MADISON, WI 53713 | AMERICAN NATIONAL INSURANCE COMPANY | $16K | — | $16K | 6.22% |
| JESSE OBERLOH3 | PO BOX 259408 MADISON, WI 53713 | DEAN HEALTH PLAN INC | $2K | — | $2K | 1.46% |
| HAUSMANN-JOHNSON INSURANCE INC3 Filed as: HAUSMANN JOHNSON INS INC | 700 REGENT STREET MADISON, WI 53715 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 9.03% |
| NATIONAL BENEFIT CENTER3 | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $91 | — | $91 | 0.07% |
| HAUSMANN-JOHNSON INSURANCE INC3 | 700 REGENT ST MADISON, WI 53715 | EYEMED | $879 | — | $879 | 8.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AUXIANT CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2450 RIMROCK RD MADISON, WI 53713 | $58K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 TPA (DENTAL BENEFIT) | Contract Administrator Service code 13 | — | $8K |
| INGENIUM PRIME INC INS. AGENT OR BROKER | Insurance agents and brokers Service code 22 | PO BOX 259408 MADISON, WI 53715 | $1K |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN INC | 24 | $132K |
| Vision | EYEMED | 164 | $10K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $125K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $125K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $125K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL INSURANCE COMPANY | 175 | $265K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.