| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R&R INS SER INC3 Filed as: R & R INS SER INC | N14 W 23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | HUMANA WISCONSIN HEALTH ORGANIZATION CORPORATE | $34K | $7K | $41K | 0.64% |
| R&R INS SER INC3 Filed as: R&R INS SERV INC | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | HUMANA INSURANCE COMPANY | $6K | $1K | $7K | 0.78% |
| R & R INSURANCE SERVICES INC3 Filed as: R & R INSURANCE SERVICES, INC. | 1581 E RACINE AVENUE WAUKESHA, WI 53186 | DELTA DENTAL OF WISCONSIN | $725 | — | $725 | 0.88% |
| R & R INSURANCE SERVICES INC Filed as: R & R INSURANCE SERVICES | BN14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53168 | SUPERIOR VISION INSURANCE OF WISCONSIN INC. | — | — | $0 | 0.00% |
| R & R INSURANCE SERVICES INC3 Filed as: R & R INSURANCE SERVICES INC. | 1581 E RACINE AVENUE WAUKESHA, WI 53186 | DELTA DENTAL OF WISCONSIN | $681 | — | $681 | 1.81% |
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 | 668 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA WISCONSIN HEALTH ORGANIZATION CORPORATE | 668 | $7.3M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF WISCONSIN | 213 | $164K |
| Vision | SUPERIOR VISION INSURANCE OF WISCONSIN INC. | 696 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 696 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.