| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHONY GOEBEL/5G BENEFITS, LLC3 | 131 N ROLLING MEADOWS DR FOND DU LAC, WI 54937 | DEAN HEALTH PLAN INC | $51K | — | $51K | 5.07% |
| 5GBENEFITS LLC3 | 131 N ROLLING MEADOWS DR FOND DU LAC, WI 54937 | DELTA DENTAL OF WISCONSIN | $8K | — | $8K | 11.47% |
| 5GBENEFITS LLC3 | 131 N ROLLING MEADOWS DR FOND DU LAC, WI 54937 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| 5GBENEFITS LLC3 | 131 N ROLLING MEADOWS DR FOND DU LAC, WI 54937 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| 5GBENEFITS LLC3 | 131 N ROLLING MEADOWS DR FOND DU LAC, WI 54937 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| 5GBENEFITS LLC3 | 131 N ROLLING MEADOWS DR FOND DU LAC, WI 54937 | WYSSTA INSURANCE COMPANY INC | $2K | — | $2K | 10.07% |
| 5GBENEFITS LLC3 | 131 N ROLLING MEADOWS DR FOND DU LAC, WI 54937 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $842 | — | $842 | 12.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $8K |
| 5GBENEFITS, LLC INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | 131 N. ROLLING MEADOWS DRIVE FOND DU LAC, WI 54937 | $500 |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN INC | 291 | $1.0M |
| Dental | DELTA DENTAL OF WISCONSIN | 103 | $72K |
| Vision | WYSSTA INSURANCE COMPANY INC | 108 | $19K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 236 | $7K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 211 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $45K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 236 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.