| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | PO BOX 1650 MILWAUKEE, WI 53201 | QUARTZ HEALTH BENEFIT PLANS COPORATION | $38K | — | $38K | 4.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 93033 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 10.02% |
| RICHARD F SAUTER3 | N3763 N RAPIDS RD JEFFERSON, WI 53549 | AFLAC | $4K | $521 | $5K | 19.93% |
| CASEY J HIGGINS3 | 3083 LYMANS RUN SUN PRAIRIE, WI 53590 | AFLAC | $1K | $126 | $2K | 6.13% |
| EMILY N WAYNE3 | 1750 N CLYBOURN AVE APT 202 CHICAGO, IL 60614 | AFLAC | $406 | $194 | $600 | 2.43% |
| EMILY N WAYNE3 | 4001 FELLAND RD STE 113 MADISON, WI 53718 | AFLAC | $440 | — | $440 | 1.78% |
| CANDACE ROSE FLEMING3 | 300 RANDOLPH ST WALWORTH, WI 53184 | AFLAC | $391 | — | $391 | 1.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 93033 NETWORK PL CHICAGO, IL 60673 | AFLAC | $243 | — | $243 | 0.98% |
| MARIKATE ELIZABET KNELLWOLF3 | 14022 COUNTY ROAD Z DARLINGTON, WI 53530 | AFLAC | $141 | $10 | $151 | 0.61% |
| FRANK J SAUTER3 | N1405 STATE ROAD 106 PLYMYRA, WI 53156 | AFLAC | $120 | $25 | $145 | 0.59% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $102 | — | $102 | 0.41% |
| BRIAN D BARK3 | W5380 COUNTY ROAD CS POYNETTE, WI 53955 | AFLAC | $14 | — | $14 | 0.06% |
| MICHAEL FRASIER3 | 4001 FELLAND RD STE 113 MADISON, WI 53718 | AFLAC | $9 | — | $9 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 93033 NETWORK PL CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 12.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN | PO BOX 1650 MILWAUKEE, WI 53201 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | $359 | — | $359 | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 93033 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $709 | — | $709 | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 93033 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $257 | — | $257 | 14.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 93033 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $57 | — | $57 | 14.92% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | QUARTZ HEALTH BENEFIT PLANS COPORATION | 163 | $864K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 225 | $123K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | 53 | $7K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 225 | $143K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 36 | $26K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 225 | $118K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS COPORATION | 163 | $841K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 225 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.