| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $400K | — | $400K | 0.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC | 1600 UTICA AVENUE SOUTH 600 MINNEAPOLIS, MN 55416 | BLUE CROSS BLUE SHIELD OF WISCONSIN | -$23 | — | -$23 | -0.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $82K | — | $82K | 1.99% |
| THE EMPLOYERS BENEFIT GROUP, LLC3 Filed as: EMPLOYERS BENEFIT GROUP LLC | 3300 BIRCH STREET, SUITE 2B EAU CLAIRE, WI 54703 | KANAWHA INSURANCE COMPANY | $13K | — | $13K | 4.87% |
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 | 11,832 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 121 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,953 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF WISCONSIN | 16,572 | $87.4M |
| Dental | BLUE CROSS BLUE SHIELD OF WISCONSIN | 17,222 | $4.2M |
| Life insurance | KANAWHA INSURANCE COMPANY | 11,890 | $270K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 11,890 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,222 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.