| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 1103 HUNTER DR SUITE 100 MOUNT PLEASANT, WI 53406 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $94K | $97K | 3.43% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 021101700 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $27K | $27K | 0.96% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | SUN LIFE | $27K | — | $27K | 13.58% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | SUN LIFE | $6K | — | $6K | 3.04% |
| DELTA DENTAL OF WISCONSIN5 | 2801 HOOVER RD STEVENS POINT, WI 54481 | DELTA DENTAL OF WISCONSIN | — | $18K | $18K | 11.38% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 1103 HUNTER DR MOUNT PLEASANT, WI 53406 | DELTA DENTAL OF WISCONSIN | $3K | — | $3K | 2.04% |
| 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 | 15.72% |
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 | 476 | 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) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 439 | $2.8M |
| Dental | DELTA DENTAL OF WISCONSIN | 323 | $157K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 439 | $2.8M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE | 476 | $229K |
| Short-term disability | SUN LIFE | 476 | $197K |
| Long-term disability | SUN LIFE | 476 | $197K |
| Other | EMPLOYER 105 - HRA | 292 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 476 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.