| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | PO BOX 1610 WAUKESHA, WI 53187 | DELTA DENTAL OF WISCONSIN | $7K | — | $7K | 5.04% |
| R & R INSURANCE SERVICES INC Filed as: R&R INSURANCE SERVICES INC | 1518 E RACINE AVE. WAUKESHA, WI 53186 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 8.02% |
| R & R INSURANCE SERVICES INC Filed as: R&R INSURANCE SERVICES INC | 1518 E RACINE AVE. WAUKESHA, WI 53186 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 14.90% |
| FRETT BARRINGTON LIMITED Filed as: FRETT BARRINGTON LTD | W239 N3490 PEWAUKEE RD. PEWAUKEE, WI 53072 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | $2K | — | $2K | 5.59% |
| R & R INSURANCE SERVICES INC Filed as: R&R INSURANCE SERVICES INC | PO BOX 1610 WAUKESHA, WI 53187 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | $1K | — | $1K | 4.25% |
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 | 551 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS BLUE SHIELD - COMPCARE HEALTHSERVICES CORP | 495 | $1.5M |
| Dental | DELTA DENTAL OF WISCONSIN | 205 | $137K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | 332 | $28K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $166K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $94K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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.