| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED BENEFITS & RISK CON3 Filed as: ASSOCIATED BENEFITS & RISK CONS | N16 W23230 STONERIDGE DR#5 WAUKESHA, WI 53188 | GERBER LIFE | — | $25K | $25K | 1.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - WI | 711 EISENHOWER DR KIMBERLY, WI 54136 | DELTA DENTAL OF WISCONSIN | $38K | — | $38K | 11.57% |
| ASSOCIATED BENEFITS AND RISK CONSUL3 | 711 EISENHOWER DR. KIMBERLY, WA 54136 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN, INC. | $4K | — | $4K | 10.00% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 6000 CLEARWATER DR MINNETONKA, MN 55343 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.02% |
| USI INSURANCE SERVICES LLC3 | WORLD TRADE CENTER 101 W MAIN ST, STE 900 NORFOLK, VA 23510 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.99% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD #201 NAPERVILLE, IL 60563 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR. KIMBERLY, WI 54136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | — |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR. KIMBERLY, WI 54136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $2K | $19K | — |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR. KIMBERLY, WI 54136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $29 | $4K | — |
| AUXIANT5 | 1233 N. MAYFAIR RD. SUITE 207 WAUWATOSA, WI 53226 | GENERAL BEVERAGE GROUP | $7K | $42K | $49K | — |
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 | 692 | 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) | 692 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER LIFE | 480 | $1.3M |
| Dental | DELTA DENTAL OF WISCONSIN | 393 | $330K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN, INC. | 205 | $40K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 692 | $0 |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 692 | $0 |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 692 | $0 |
| Prescription drug | GENERAL BEVERAGE GROUP | 480 | $0 |
| Stop-loss / reinsurancereinsurance | GERBER LIFE | 480 | $1.3M |
| Other(4 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 692 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 692 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.