| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON FINANCIAL GROUP3 | 1103 HUNTER DR MOUNT PLEASANT, WI 53406 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $20K | $21K | 1.54% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 100 N CORPORATE DR SUITE 100 BROOKFIELD, WI 53045 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $20K | $21K | 1.54% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INS SOLUTIONS INC | 100 N CORPORATE DR SUITE 100 BROOKFIELD, WI 53045 | UNITEDHEALTHCARE INSURANCE COMPANY | $3 | $83 | $86 | 0.01% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INS SERVICES INC | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 7.94% |
| JOHNSON INSURANCE SERVICES LLC3 | 1103 HUNTER DRIVE RACINE, WI 53406 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.23% |
| DELTA DENTAL OF WISCONSIN5 | 2801 HOOVER RD STEVENS POINT, WI 54481 | DELTA DENTAL OF WISCONSIN | — | $12K | $12K | 12.82% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES | 1103 HUNTER DR MOUNT PLEASANT, WI 53406 | DELTA DENTAL OF WISCONSIN | $2K | — | $2K | 2.29% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 E DOUBLETREE RANCH RD STE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 13.87% |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 393 | $1.4M |
| Dental | DELTA DENTAL OF WISCONSIN | 202 | $90K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 393 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 289 | $133K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 289 | $97K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 289 | $97K |
| Other | EMPLOYER 105 - HRA | 127 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.