| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS BENEFITS LLC3 | 1205 CEDAR ROAD KRONENWETTER, WI 54455 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $31K | — | $31K | 2.03% |
| ANDREW KOEHL3 | COMPASS BENEFITS LLC 1205 CEDAR ROAD KRONENWETTER, WI 54455 | DELTA DENTAL OF WISCONSIN | $2K | — | $2K | 1.99% |
| COMPASS BENEFITS LLC3 | 1205 CEDAR ROAD KRONENWETTER, WI 54455 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.22% |
| COMPASS BENEFITS LLC3 | 1205 CEDAR RD KRONENWETTER, WI 54455 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| COMPASS BENEFITS LLC3 Filed as: COMPASS BENEFITS, LLC | 1205 CEDAR RD. KRONENWETTER, WI 54455 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| COMPASS BENEFITS LLC3 | 1205 CEDAR RD. KRONENWETTER, WI 54455 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $252 | — | $252 | 1.62% |
| COMPASS BENEFITS LLC3 | 1205 CEDAR RD. MOSINEE, WI 54455 | WYSSTA INSURANCE COMPANY INC | $810 | — | $810 | 8.37% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SECURITY HEALTH PLAN OF WISCONSIN, INC. | 231 | $1.6M |
| Dental | DELTA DENTAL OF WISCONSIN | 137 | $105K |
| Vision | WYSSTA INSURANCE COMPANY INC | 100 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $16K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $54K |
| Prescription drug(2 contracts) | SECURITY HEALTH PLAN OF WISCONSIN, INC. | 231 | $1.6M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.