| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY, SUITE 102 ORLAND PARK, IL 60467 | DELTA DENTAL OF WISCONSIN | $14K | $0 | $14K | 6.14% |
| THE HORTON GROUP3 | N19 W24101 NORTH RIVERWOOD DRIVE SUITE 100 WAUKESHA, WI 53188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $0 | $22K | 12.87% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY, SUITE 102 ORLAND PARK, IL 60467 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | $0 | $20K | 26.88% |
| LYNN KARL3 Filed as: LYNN KARL AND OTHER AGENTS | W10030 PARKSIDE LANE ANTIGO, WI 54409 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 7.64% |
| AMY KNUTSON3 Filed as: AMY L. KNUTSON | 421 HIGGINS DRIVE EVANSVILLE, WI 53536 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.72% |
| JENN M KNIPPEL3 Filed as: JENN M. KNIPPEL | N3571 RED PINE ROAD MEDFORD, WI 54451 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.70% |
| PATRICIA L OBERMUELLER3 Filed as: PATRICIA L. OBERMUELLER | 1421 NORTH BROADWAY, SUITE 108 MENOMONIE, WI 54751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $985 | $0 | $985 | 1.31% |
| CRISTOPHER BUMBY3 | 1005 CAROL AVENUE RIPON, WI 54971 | CONTINENTAL AMERICAN INSURANCE COMPANY | $908 | $0 | $908 | 1.21% |
| MICHAEL W FRASIER3 Filed as: MICHAEL W. FRASIER | 4412 WALLACE AVENUE MONONA, WI 53716 | CONTINENTAL AMERICAN INSURANCE COMPANY | $571 | $0 | $571 | 0.76% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY, SUITE 102 ORLAND PARK, IL 60467 | EYEMED VISION CARE ON BEHALF OF FIDELITY SERCURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 7.90% |
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 | 615 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 356 | $225K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SERCURITY LIFE INSURANCE CO. | 644 | $31K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 615 | $248K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 278 | $75K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 615 | $173K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 615 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.