| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 10.47% |
| JOE FERNANDEZ3 | 4537 SALERNO CIRCLE PLANO, TX 75093 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 8.48% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.73% |
| UNIVERSAL INSURANCE ADVISORS INC3 Filed as: UNIVERSAL INSUR ADVISORS INC | 1151 ONEIDA ST MENASHA, WI 54952 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.89% |
| TBX EMPLOYEE BENEFITS LLC3 | 7500 DALLAS PKWY SUITE 550 PLANO, TX 75024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $897 | $0 | $897 | 0.76% |
| UNIVERSAL INSURANCE ADVISORS INC3 Filed as: UNIVERSAL INSUR ADVISORS INC | 1151 ONEIDA ST MENASHA, WI 54952 | DELTA DENTAL OF WISCONSIN | $5K | $0 | $5K | 6.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD, STE 202 WAUKESHA, WI 53188 | WYSSTA INSURANCE COMPANY INC | $1K | $0 | $1K | 7.43% |
| UNIVERSAL INSURANCE ADVISORS INC3 Filed as: UNIVERSAL INSUR ADVISORS INC | 1151 ONEIDA ST MENASHA, WI 54952 | WYSSTA INSURANCE COMPANY INC | $0 | — | $0 | 0.00% |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 102 | $80K |
| Vision | WYSSTA INSURANCE COMPANY INC | 84 | $17K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $118K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.