| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUART ISGUR3 | 777 MAIN ST STE 3800 FORT WORTH, TX 761025319 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | — | $34K | 3.40% |
| FOSTER BENEFIT RESOURCES INC3 | 14911 QUORUM DR STE 100 DALLAS, TX 752547012 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 1.48% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 841580139 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 1.16% |
| MORETON & COMPANY3 | 101 SOUTH 200 E STE 300 SALT LAKE CITY, UT 84111 | DELTA DENTAL OF WISCONSIN | $21K | — | $21K | 3.41% |
| SECURITY INSURANCE AGENCY INC3 Filed as: SECURITY INSURANCE SERVICES INC | P.O. BOX 510925 NEW BERLIN, WI 53151 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | — | $46K | 7.60% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 2.05% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | $6K | $48K | 17.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 16TH FLOOR 8144 WALNUT HILL DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $622 | $20K | 7.29% |
| MORRIS, CHRISTOPHER, ROBERT3 Filed as: MORRIS, CHRISTOPHER ROBERT | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $98 | $2K | 0.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 2725 S MOORLAND RD NEW BERLIN, WI 53151 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | $8K | — | $8K | 10.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPERT EMPLOYEE BENEFIT SOLUTIONS NONE | Claims processing; Other services; Contract Administrator; Direct payment from the plan Service code 12 | 7020 N. PORT WASHINGTON ROAD SUITE 206 GLENDALE, WI 53217 | $1.1M |
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 | 1,338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 170 | $1000K |
| Dental | DELTA DENTAL OF WISCONSIN | 1,097 | $627K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | 1,494 | $79K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,194 | $608K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,194 | $608K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,194 | $608K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,236 | $942K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,494 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.