| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUXIANT5 | 2450 RIMROCK ROAD MADISON, WI 53713 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | $67K | $99K | 17.81% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | N14W23900 STONERIDGE DR WAUKESHA, WI 53186 | SUN LIFE ASSURANCE COMPANY OF CANADA | $55K | — | $55K | 9.92% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | N14W23900 STONERIDGE DR WAUKESHA, WI 53188 | MUTUAL OF OMAHA | $10K | $2K | $12K | 13.96% |
| UNITED OF OMAHA LIFE INSURANCE CO3 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | MUTUAL OF OMAHA | — | $3K | $3K | 3.99% |
| AUXIANT3 | 2450 RIMROCK ROAD MADISON, WI 53713 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $3K | $5K | 16.44% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | N14W23900 STONERIDGE DR WAUKESHA, WI 53186 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 9.90% |
| WOLLER - ANGER & COMPANY3 | 930 ELM GROVE RD ELM GROVE, WI 53122 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 8.20% |
| R & R INSURANCE SERVICES INC4 Filed as: R&R INSURANCE SERVICES | N14W23900 STONERIDGE DR WAUKESHA, WI 53186 | HARTFORD LIFE AND ACCIDENT | $335 | — | $335 | 1.80% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES | N14W23900 STONERIDGE DR WAUKESHA, WI 53186 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 8.80% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 106 | $13K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA | 117 | $101K |
| Short-term disability | MUTUAL OF OMAHA | 117 | $83K |
| Long-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA | 117 | $101K |
| Stop-loss / reinsurancereinsurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 92 | $585K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.