| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 111 EAST KILBOURN AVENUE SUITE 1850 MILWAUKEE, WI 53202 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $71K | — | $71K | 2.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 111 E KILBOURN AVE STE 1850 MILWAUKEE, WI 53202 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 7.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WLLIS TOWERS WATSON MIDWEST INC | 400 N EXECUTIVE DR FL 3 BROOKFIELD, WI 53005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 9.15% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHMENT | 1036 W JUNEAU AVE MILWAUKEE, WI 53233 | NORTHWESTERN MUTUAL | $6K | $1K | $7K | 9.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 53005 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 39.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 525 MARKET ST SUITE 3400 SAN FRANCISCO, CA 94105 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 5.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 400 N EXECUTIVE DR FL 3 BROOKFIELD, WI 53005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 5.28% |
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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF WISCONSIN | 242 | $3.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 372 | $133K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 372 | $133K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 308 | $107K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 308 | $107K |
| Long-term disability | NORTHWESTERN MUTUAL | 240 | $74K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF WISCONSIN | 242 | $3.2M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 308 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.
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.