| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN HEALTH AND BENEFITS LLC3 | 320 SOUTH MILITARY AVE GREEN BAY, WI 54303 | DELTA DENTAL OF WISCONSIN | $17K | — | $17K | 7.34% |
| MARTIN HEALTH AND BENEFITS LLC3 Filed as: MARTIN HEALTH & BENEFITS LLC | 320 SOUTH MILITARY AVE GREEN BAY, WI 54303 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 15.00% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $66 | $66 | 0.05% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 200 | $238K |
| Vision | WYSSTA INSURANCE COMPANY INC | 152 | $17K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 326 | $124K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 326 | $124K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 326 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.