| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRAL INSURANCE SERVICES3 Filed as: CENTRAL INSURANCE AGENCY LLC | 2183A HWY 8 ST. CROIX FALLS, WI 54024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $7K | 7.12% |
| MJ INSURANCE3 Filed as: CENTRAL INSUANCE AGENCY LLC | 2183A HWY 8 ST. CROIX FALLS, WI 54024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $3K | $7K | 8.66% |
| CENTRAL INSURANCE SERVICES3 Filed as: CENTRAL INSURANCE AGENCY LLC | 2183A HWY 8 ST. CROIX FALLS, WI 54024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 13.09% |
| CENTRAL INSURANCE SERVICES3 Filed as: CENTRAL INSURANCE AGENCY LLC | PO 537 OSCEOLA, WI 540200537 | AMERITAS LIFE INSURANCE CORP | $716 | — | $716 | 4.10% |
| SF INSURANCE SERVICES INC3 Filed as: SF INSURANCE GROUP | 214 S. KNOWLES AVE. NEW RICHMOND, WI 54017 | AMERITAS LIFE INSURANCE CORP | $655 | — | $655 | 3.75% |
| CENTRAL INSURANCE SERVICES3 Filed as: CENTRAL INSURANCE AGENCY, LLC | 2183A HWY 8 ST. CROIX FALLS, WI 54024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $392 | $2K | 11.88% |
| JOHN GAUPER-SF INS. GROUP LLC3 | 214 S. KNOWLES AVE NEW RICHMOND, WI 54017 | HEALTHPARTNERS ADMINISTRATORS, INC | $3K | — | $3K | 19.58% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTHPARTNERS ADMINISTRATORS, INC | 280 | $14K |
| Vision | AMERITAS LIFE INSURANCE CORP | 125 | $17K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 170 | $49K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 221 | $93K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 170 | $85K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 170 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.