| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN & ASSOC INC | 330 E KILBOURN #650 MILWAUKEE, WI 53202 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 4.80% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN & ASSOC INC | 330 E KILBOURN #650 MILWAUKEE, WI 53202 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 4.68% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN & ASSOC INC | 330 E KILBOURN #650 MILWAUKEE, WI 53202 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 6.17% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN & ASSOC INC | 330 E KILBOURN #650 MILWAUKEE, WI 53202 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN, INC. | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $300K |
| ROBERTSON RYAN & ASSOCIATES, INC. EIN 39-0605130 BROKER | Other commissions Service code 55 | — | $31K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | — | $15K |
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 | 430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN, INC. | 230 | $34K |
| Life insurance | STANDARD INSURANCE COMPANY | 423 | $142K |
| Short-term disability | STANDARD INSURANCE COMPANY | 266 | $142K |
| Long-term disability | STANDARD INSURANCE COMPANY | 243 | $116K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 591 | $535K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.