| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & R INSURANCE SERVICES INC3 | N 14 W23900 STONE RIDGE DR WAUKESHA, WI 53188 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $33K | $33K | 3.39% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC | N14W23900 STONE RIDGE DR WAUKESHA, WI 53188 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $755 | $9K | 16.44% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $503 | $3K | 5.96% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC | N14W23900 STONE RIDGE DR WAUKESHA, WI 53188 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $348 | $4K | 16.43% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $232 | $1K | 5.95% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC | N14W23900 STONE RIDGE DR WAUKESHA, WI 53188 | VISION SERVICE PLAN | $626 | — | $626 | 8.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMIN | Contract Administrator Service code 13 | — | $5K |
| R & R INSURANCE SERVICES INC INS AGENTS OR BROKERS | Insurance agents and brokers Service code 22 | N14 W23900 STONE RIDGE DR WAUKESHA, WI 53188 | $621 |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 84 | $959K |
| Vision | VISION SERVICE PLAN | 68 | $8K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 123 | $52K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 123 | $24K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 123 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
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.