| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 7.18% |
| J A COUNTER & ASSOCIATES INC3 Filed as: JA COUNTER & ASSOCIATES, INC. | 1477 S KNOWLES AVE #200 PO BOX 387 NEW RICHMOND, WI 54017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $196 | $75 | $271 | 0.23% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $13K | 16.25% |
| J A COUNTER & ASSOCIATES INC3 Filed as: JA COUNTER & ASSOCIATES, INC. | 1477 S KNOWLES AVE #200 PO BOX 387 NEW RICHMOND, WI 54017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.01% |
| J A COUNTER & ASSOCIATES INC Filed as: JA COUNTER & ASSOCIATES, INC. | PO BOX 387 NEW RICHMOND, WI 540170000 | WYSSTA INSURANCE COMPANY INC | $965 | — | $965 | 8.04% |
| J A COUNTER & ASSOCIATES INC3 Filed as: JA COUNTER & ASSOCIATES, INC. | 1477 S KNOWLES AVE #200 PO BOX 387 NEW RICHMOND, WI 54017 | WYSSTA INSURANCE COMPANY INC | $743 | — | $743 | 8.10% |
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 | 417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | WYSSTA INSURANCE COMPANY INC | 85 | $21K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 330 | $243K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 330 | $118K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 330 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.