| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISG ADVISORS LLC3 | 708 HEARTLAND TRAIL STE 1000 MADIOSN, WI 53717 | DELTA DENTAL OF WISCONSIN | $7K | — | $7K | 6.12% |
| ISG ADVISORS LLC3 | 708 HEARTLAND TRAIL STE 1000 MADISON, WI 53717 | NGL | $559 | — | $559 | 2.67% |
| PAUL L LAROCHE3 Filed as: PAUL LAROCHE - NATL BENEFIT PTR NOR | 35 BELA BROOK LANE CONCORD, NH 03301 | NGL | $559 | — | $559 | 2.67% |
| F. DOHERTY - NATL BENEFIT PTR LLC3 | 409 ROCK CREEK CIRCLE BERWIN, PA 19312 | NGL | $559 | — | $559 | 2.67% |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 0 | $3.0M |
| Dental | DELTA DENTAL OF WISCONSIN | 149 | $122K |
| Vision | NGL | 207 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.