| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 5G BENEFITS LLC3 | 131 N ROLLING MEADOWS DR FOND DU LAC, WI 54937 | DEAN HEALTH PLAN INC | $61K | — | $61K | 4.69% |
| 5GBENEFITS LLC3 | 131 N ROLLING MEADOWS DR FOND DU LAC, WI 54937 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $622 | $622 | 0.91% |
| 5GBENEFITS LLC3 | 131 N ROLLING MEADOWS DR FOND DU LAC, WI 54937 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $485 | $13K | 26.00% |
| 5GBENEFITS LLC3 | 131 N ROLLING MEADOWS DR FOND DU LAC, WI 54937 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $439 | $439 | 0.91% |
| 5GBENEFITS LLC3 | 131 N ROLLING MEADOWS DR FOND DU LAC, WI 54937 | WYSSTA INSURANCE COMPANY INC | $2K | — | $2K | 9.95% |
| 5GBENEFITS LLC3 | 131 N ROLLING MEADOWS DR FOND DU LAC, WI 54937 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $934 | $92 | $1K | 10.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $10K |
| 5GBENEFITS, LLC INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | 131 N. ROLLING MEADOWS DRIVE FOND DU LAC, WI 54937 | $7K |
| DELTA DENTAL EIN 39-6094742 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $7K |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN INC | 171 | $1.3M |
| Vision | WYSSTA INSURANCE COMPANY INC | 122 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $9K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.