| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R&R INSURANCE SERVICE INC3 Filed as: R & R INSURANCE SERVICE | 1581 EAST RACINE AVENUE WAUKESHA, WI 53186 | BERKLEY LIFE | $45K | — | $45K | 6.67% |
| AUXIANT3 | 2450 RIMROCK ROAD MADISON, WI 53713 | BERKLEY LIFE | $26K | — | $26K | 3.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | DELTA DENTAL OF WISCONSIN | $7K | — | $7K | 4.83% |
| R & R INSURANCE SERVICES INC3 | 1581 EAST RACINE AVENUE WAUKESHA, WI 53186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $724 | $8K | 15.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $659 | — | $659 | 1.21% |
| R & R INSURANCE SERVICES INC3 | 1581 EAST RACINE AVENUE WAUKESHA, WI 53186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $616 | $5K | 10.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $191 | — | $191 | 0.41% |
| R & R INSURANCE SERVICES INC3 | 1581 EAST RACINE AVENUE WAUKESHA, WI 53186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $394 | $5K | 15.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $379 | — | $379 | 1.25% |
| R & R INSURANCE SERVICES INC3 | 1581 EAST RACINE AVENUE WAUKESHA, WI 53186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $552 | $147 | $699 | 5.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $50 | — | $50 | 0.42% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 182 | $152K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $42K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $47K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE | 184 | $670K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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 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.