| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOAH INSURANCE GROUP3 | 234 KELLER AVE S AMERY, WI 54001 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 4.47% |
| NOAH INSURANCE GROUP3 | 234 KELLER AVE S AMERY, WI 54001 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| NOAH INSURANCE GROUP3 | 234 KELLER AVE S AMERY, WI 54001 | VISION SERVICE PLAN | $1K | — | $1K | 3.99% |
| J A COUNTER & ASSOCIATES INC Filed as: J A COUNTER & ASSOCIATES, INC | 1477 S KNOWLES AVE #200 PO BOX 387 NEW RICHMOND, WI 54017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.73% |
| NOAH INSURANCE GROUP | 234 KELLER AVE S AMERY, WI 54001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $367 | — | $367 | 1.56% |
| BENEFIT ADVISORS NETWORK LLC Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN RD SOLON, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $152 | $152 | 0.65% |
| MIDWEST SELECT INSURANCE GROUP LLC | SUITE 200 PEWAUKEE, WI 53072 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.13% |
| NOAH INSURANCE GROUP3 | 234 KELLER AVE S AMERY, WI 54001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $505 | — | $505 | 4.57% |
| J A COUNTER & ASSOCIATES INC3 Filed as: J A COUNTER & ASSOCIATES, INC | 1477 S KNOWLES AVE #200 PO BOX 387 NEW RICHMOND, WI 54017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $424 | — | $424 | 3.84% |
| MIDWEST SELECT INSURANCE GROUP LLC3 | SUITE 200 PEWAUKEE, WI 53072 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26 | — | $26 | 0.24% |
| NOAH INSURANCE GROUP3 | 234 KELLER AVE S AMERY, WI 54001 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE CO. | 645 | $393K |
| Dental | HEALTHPARTNERS INSURANCE CO. | 645 | $393K |
| Vision | VISION SERVICE PLAN | 176 | $30K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 335 | $197K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 335 | $197K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 335 | $197K |
| Other(5 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 335 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.