| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WI INC | 1062 OAK FOREST DRIVE #120 ONALASKA, WI 54650 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $22K | — | $22K | 1.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | 1062 OAK FOREST DRIVE SUITE 120 ONALASKA, WI 54650 | DELTA DENTAL OF WISCONSIN | $7K | — | $7K | 5.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WI INC | 1062 OAK FORREST DRIVE SUITE 120 ONALASKA, WI 54650 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 11.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN INC | 1062 OAK FOREST DRIVE SUITE 120 ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $826 | $3K | 10.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN INC | 1062 OAK FOREST DRIVE SUITE 120 ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $506 | $3K | 16.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WI INC | 1062 OAK FOREST DRIVE SUITE 120 ONALASKA, WI 54650 | AMERITAS LIFE INSURANCE CORP. | $905 | — | $905 | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 3520 THOMASVILLE ROAD SUITE 500 TALLAHASSEE, FL 32309 | AMERITAS LIFE INSURANCE CORP. | — | $85 | $85 | 0.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN INC | 1062 OAK FOREST DRIVE SUITE 120 ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $246 | $2K | 17.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN INC | 1062 OAK FOREST DRIVE SUITE 120 ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $258 | $48 | $306 | 17.81% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 276 | $1.3M |
| Dental | DELTA DENTAL OF WISCONSIN | 119 | $125K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 53 | $9K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 166 | $61K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 166 | $40K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 166 | $50K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 276 | $1.3M |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 187 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.
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.