| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.5 Filed as: UMR INC. | PO BOX 1087 WAUSAU, WI 54402 | COMPANION LIFE INSURANCE COMPANY | — | $59K | $59K | 22.07% |
| INFINITY BENEFIT SOLUTIONS INC3 Filed as: INFINITY BENEFIT SOLUTIONS INC. | 1036 W. JUNEAU AVE, STE 302 MILWAUKEE, WI 53233 | COMPANION LIFE INSURANCE COMPANY | $21K | — | $21K | 7.67% |
| INFINITY BENEFIT SOLUTIONS INC3 Filed as: INFINITY BENEFIT SOLUTIONS INC. | 1036 W. JUNEAU AVE, STE 302 MILWAUKEE, WI 53233 | DELTA DENTAL OF WISCONSIN | $4K | — | $4K | 8.23% |
| INFINITY BENEFIT SOLUTIONS INC3 Filed as: INFINITY BENEFIT SOLUTIONS INC. | 1036 W. JUNEAU AVE, STE 302 MILWAUKEE, WI 53233 | WYSSTA INSURANCE COMPANY INC. | $694 | — | $694 | 8.35% |
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 | 70 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 72 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 60 | $268K |
| Dental | DELTA DENTAL OF WISCONSIN | 52 | $46K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 58 | $8K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 60 | $268K |
| Prescription drug | COMPANION LIFE INSURANCE COMPANY | 60 | $268K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 60 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 60 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.