| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRACY TSCHANZ3 Filed as: TRACY EICHMANN | 2725 S. MOORLAND RD. PO BOX 510925 NEW BERLIN, WI 53151 | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | $25K | — | $25K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 510925 NEW BERLIN, WI 531510925 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $40 | $3K | 4.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY | 2725 S. MOORLAND RD. NEW BERLIN, WI 53151 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 7.01% |
| SECURITY INSURANCE AGENCY INC3 Filed as: SECURITY INSURANCE SERVICES | PO BOX 510925 NEW BERLIN, WI 53151 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.48% |
| SECURITY INSURANCE AGENCY INC3 Filed as: SECURITY INSURANCE SERVICES INC | PO BOX 510925 NEW BERLIN, WV 53151 | UNUM LIFE INSURANCE COMPANY INC | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 510925 NEW BERLIN, WI 531510925 | SUPERIOR VISION PLAN | $1K | — | $1K | 11.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 521 FIFTH AVE NEW YORK, NY 10175 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | — |
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 | 309 | 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) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 197 | $1.3M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 309 | $122K |
| Vision(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 239 | $71K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $43K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $43K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $43K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.