| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON INSURANCE SERVICES LLC | 555 MAIN ST #291 RACINE, WI 53403 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.15% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 5.04% |
| JOHNSON INSURANCE SERVICES LLC3 | 1103 HUNTER DR STE 100 MT PLEASANT, WI 534064040 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.80% |
| MARSHBERRY CONNECT PLATFORM LLC3 | 28601 CHAGRIN BLVD. STE 400 WOODMERE, OH 441224556 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $584 | $584 | 0.41% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 381 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 381 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 381 | $1.7M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 262 | $143K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 262 | $143K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 262 | $143K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 262 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.