| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR KIMBERLY, WI 541362142 | RELIASTAR LIFE INSURANCE COMPANY | $85K | — | $85K | 7.90% |
| USI INSURANCE SERVICES LLC3 | — | RELIASTAR LIFE INSURANCE COMPANY | $49K | — | $49K | 4.57% |
| MICHAEL L. SCOTT3 Filed as: MICHAEL L SCOTT | 1488 W SOUTH PARK AVE OSHKOSH, WI 54902 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 7.48% |
| THIRD COAST ADVISORS INC3 | 1166 QUAIL COURT STE 100 PEWAUKEE, WI 53072 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.61% |
| SCOT J MADSON3 Filed as: SCOT J MADISON | 111 N WASHINGTON STREET GREEN BAY, WI 54301 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.03% |
| NICOLET NATIONAL BANK - THE GUARDIA3 | INSURANCE COMPANY OF AMERICA 7 HANOVER SQUARE NEW YORK, NY 100042616 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $380 | — | $380 | 0.32% |
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 | 1,775 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,645 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,645 | $1.2M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,645 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,645 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.