| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: DIMOND BROS INSURANCE | PO BOX 1090 PARIS, IL 61944 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 12.05% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.90% |
| ASSUREDPARTNERS3 Filed as: DIMOND BROS INSURANCE | 480 PILGRIM WAY 2ND FL #1230 GREEN BAY, WI 54304 | WYSSTA INSURANCE COMPANY INC | $416 | — | $416 | 7.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIMOND BROTHERS INS AGENT OR BROKER | Insurance agents and brokers Service code 22 | PO BOX 1090 PARIS, IL 61944 | $17K |
| BENEFITBAY INC. EIN 86-2165138 THIRD PARTY ADMIN | Claims processing; Contract Administrator Service code 12 | — | $11K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMIN | Contract Administrator Service code 13 | — | $4K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 THIRD PARTY ADMIN | Claims processing; Contract Administrator Service code 12 | — | $802 |
| SARAH SKLAMBERG INS AGENT OR BROKER | Insurance agents and brokers Service code 22 | DIMOND BROS INSURANCE FLOOR 2- STE 1230 GREEN BAY, WI 54304 | $84 |
| DIMOND BROS. INSURANCE INS AGENT OR BROKER | Insurance agents and brokers Service code 22 | PO BOX 1090, 928 CLINTON RD PARIS, IL 61944 | $16 |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 52 | $5K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $67K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $67K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $67K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.