| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R&R INS SER INC3 Filed as: R & R INS SER INC | 1581 E RACINE AVE WAUKESHA, WI 531866826 | HUMANA INSURANCE COMPANY | $13K | $4K | $18K | 0.51% |
| FRETT BARRINGTON LIMITED3 Filed as: FRETT/BARRINGTON, LTD. | STE 101 W239 N3490 PEWAUKEE ROAD PEWAUKEE, WI 530724023 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 0.07% |
| R&R INS SER INC3 | 1581 E RACINE AVENUE WAUKESHA, WI 531866826 | HUMANA INSURANCE COMPANY | $12K | $4K | $15K | 0.52% |
| FRETT BARRINGTON LIMITED3 Filed as: FRETT/BARRINGTON | STE 101 W239 N3490 PEWAUKEE ROAD PEWAUKEE, WI 530724023 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 0.07% |
| R & R INSURANCE SERVICES INC Filed as: R & R INSURANCE SERVICES | 1581 E RACINE AVENUE WAUKESHA, WI 53186 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | $293 | — | $293 | 0.50% |
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 | 586 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HUMANA INSURANCE COMPANY | 303 | $6.4M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF WISCONSIN | 213 | $143K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | 879 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 879 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.