| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT WORKS LLC3 | 6907 UNIVERSITY AVE. STE 153 MIDDLETON, WI 53562 | BLUE CROSS & BLUE SHIELD OF WISCONSIN (BCBSW)(G0422) | $77K | — | $77K | 1.93% |
| BENEFIT WORKS LLC3 | 6907 UNIVERSITY AVE, STE 153 MIDDLETON, WI 53562 | COMPCARE HEALTH SERVICES INSURANCE CORP (G0423) | $77K | — | $77K | 2.02% |
| THE BENEFITWORKS LLC3 Filed as: THE BENEFITWORKS | 6907 UNIVERSITY AVE. STE 153 MIDDLETON, WI 53562 | DELTA DENTAL OF WISCONSIN | $24K | — | $24K | 5.22% |
| BENEFIT WORKS LLC3 | 6907 UNIVERSITY AVE. STE 153 MIDDLETON, WI 53562 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 7.51% |
| BENEFIT WORKS LLC3 | 6907 UNIVERSITY AVE. STE 153 MIDDLETON, WI 53562 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 19.88% |
| BENEFIT WORKS LLC3 | 6907 UNIVERSITY AVE. STE 153 MIDDLETON, WI 53562 | WYSSTA INSURANCE COMPANY INC | $5K | — | $5K | 6.80% |
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 | 541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 547 | 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 (BCBSW)(G0422) | 612 | $7.8M |
| Dental | DELTA DENTAL OF WISCONSIN | 528 | $460K |
| Vision | WYSSTA INSURANCE COMPANY INC | 525 | $71K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 541 | $345K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 541 | $345K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 541 | $449K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 612 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.