| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIRTUS LLC3 Filed as: VIRTUS, LLC | 4550 WEST 109TH STREET SUITE 301 OVERLAND PARK, KS 66211 | DELTA DENTAL OF WISCONSIN | $11K | — | $11K | 5.47% |
| VIRTUS LLC3 Filed as: VIRTUS, LLC | PO BOX 875505 KANSAS CITY, MO 64187 | VISION SERVICE PLAN | $1K | — | $1K | 2.00% |
| VIRTUS LLC3 Filed as: VIRTUS, LLC | 4550 WEST 109TH STREET OVERLAND PARK, KS 66211 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $88K | $0 | $88K | 203.12% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $200 | $200 | 0.46% |
| VIRTUS LLC3 Filed as: VIRTUS, LLC | 4550 WEST 109TH STREET SUITE 301 OVERLAND PARK, KS 66211 | DELTA DENTAL OF WISCONSIN | $2K | — | $2K | 5.44% |
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 | 943 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF WISCONSIN | 398 | $233K |
| Vision | VISION SERVICE PLAN | 445 | $72K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 935 | $71K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 935 | $165K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 935 | $184K |
| Other(7 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 935 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 935 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.