| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRAIRIE STATES ENTERPRISES, INC.3 | 35 EAST WACKER DRIVE STE 3200 CHICAGO, IL 60601 | HCC LIFE INSURANCE CO. | — | $39K | $39K | 8.27% |
| ASSOCIATED BENEFITS & RISK CON | 711 EISENHOWER DRIVE KIMBERLY, WI 541360000 | DELTA DENTAL OF WISCONSIN | $3K | $7K | $10K | 21.36% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MCCLONE AGENCY INC3 Filed as: MCCLONE INSURANCE AGENCY | 150 MAIN STREET STE 300 MENASHA, WI 549523386 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $646 | $646 | 4.64% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $144 | $144 | 1.03% |
| ASSOCIATED FINANCIAL GROUP LLC6 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $572 | — | $572 | 5.00% |
| MCCLONE AGENCY INC3 Filed as: MCCLONE INSURANCE AGENCY | 150 MAIN STREET STE 300 MENASHA, WI 549523386 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $340 | $340 | 2.97% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $194 | $194 | 1.70% |
| ASSOCIATED BENEFITS & RISK CON3 | 711 EISENHOWER DRIVE KIMBERLY, WI 541360000 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | $1K | — | $1K | 10.00% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 71 | $46K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | 47 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $25K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE CO. | 82 | $470K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.