| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 53005 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $57K | $57K | 3.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 53005 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 6.27% |
| CHARLES THOMAS SAUER3 | 100 E WISCONSIN AVE STE 2300 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $2K | $560 | $3K | 5.20% |
| WILLIAM JOHN COLLINS3 | 100 E WISCONSIN AVE STE 2300 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $1K | $310 | $1K | 2.65% |
| THE HOLTER AGENCY INC3 | 100 E WISCONSIN AVE STE 2300 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $845 | $101 | $946 | 1.77% |
| BRIAN P DIX3 | 100 E WISCONSIN AVE STE 2300 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $667 | $186 | $853 | 1.59% |
| R SCOTT SCHWERTFEGER3 Filed as: R SCOTT SCHWERTLFEGER | 500 W SILVER SPRING DR STE K-290 GLENDALE, WI 53217 | NORTHWESTERN MUTUAL | $445 | $112 | $557 | 1.04% |
| CHRISTOPHER DAVID CARLSON3 | 500 W SILVER SPRING DR STE K-290 GLENDALE, WI 53217 | NORTHWESTERN MUTUAL | $44 | $16 | $60 | 0.11% |
| INFINITY BENEFIT SOLUTIONS INC3 | 100 E WISCONSIN AVE MILWAUKEE, WI 53202 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 400 N EXECUTIVE DRIVE STE 300 BROOKFIELD, WI 53005 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 8.00% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 211 | $1.7M |
| Dental | DELTA DENTAL OF WISCONSIN | 179 | $92K |
| Vision | WYSSTA INSURANCE COMPANY INC | 128 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 238 | $22K |
| Long-term disability | NORTHWESTERN MUTUAL | 192 | $54K |
| Other | HARTFORD LIFE AND ACCIDENT | 238 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.