| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENECO3 Filed as: BENECO OF WISCONSIN INC. | 250 N. PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORATION | $53K | $11K | $64K | 1.45% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR KIMBERLY, WI 541362142 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORATION | $36K | $1K | $37K | 0.84% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC. | 250 N. PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | HUMANA INSURANCE CO | $19K | — | $19K | 8.98% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR KIMBERLY, WI 541362142 | HUMANA INSURANCE CO | $13K | — | $13K | 5.90% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC. | 250 N. PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 4.47% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR KIMBERLY, WI 541362142 | UNITEDHEALTHCARE INSURANCE COMPANY | $802 | — | $802 | 0.52% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC. | 250 N. PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | HUMANA INSURANCE CO | $3K | — | $3K | 9.02% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR KIMBERLY, WI 541362142 | HUMANA INSURANCE CO | $2K | — | $2K | 5.87% |
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 | 409 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORATION | 268 | $4.4M |
| Dental | HUMANA INSURANCE CO | 274 | $212K |
| Vision | HUMANA INSURANCE CO | 231 | $33K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 409 | $154K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 409 | $154K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 409 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.