| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSMANN-JOHNSON INSURANCE INC3 Filed as: HAUSMANN JOHNSON INSURANCE | BOX 259408 MADISON, WI 53715 | GERBER LIFE | $38K | $2K | $40K | 9.29% |
| AUXIANT3 | 2450 RIMROCK ROAD MADISON, WI 53713 | GERBER LIFE | $19K | $7K | $25K | 5.89% |
| M3 INSURANCE SOLUTIONS INC3 | 1872 MID VALLEY ROAD DE PERE, WI 54115 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $2K | $7K | 12.02% |
| INGENIUM PRIME INC3 | P.O. BOX 259408 MADISON, WI 53715 | WYSSTA INSURANCE COMPANY INC | $856 | — | $856 | 792.59% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 64 | $108 |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 179 | $60K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 179 | $60K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 179 | $60K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE | 102 | $430K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 179 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.