| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WI INC | 1062 OAK FOREST DR #120 ONALASKA, WI 54650 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $25K | — | $25K | 1.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | 1062 OAK FOREST DR STE 120 ONALASKA, WI 54650 | DELTA DENTAL OF WISCONSIN | $7K | — | $7K | 6.35% |
| LAMPRICH GREGORY D3 Filed as: LAMPRICH, GREGORY D | BROWN AND BROWN INSURANCE 1062 OAK FOREST DRIVE, SUITE 120 ONALASKA, WI 54650 | KANSAS CITY LIFE | $537 | — | $537 | 3.64% |
| EMPLOYEE NAVIGATOR, LLC Filed as: EMPLOYEE BENEFITS CORPORATION | PO BOX 44347 MADISON, WI 53744 | EMPLOYEE BENEFITS CORPORATION | — | $7K | $7K | 100.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE | 1062 OAK FOREST DRIVE SUITE 120 ONALASKA, WI 54650 | EMPLOYEE BENEFITS CORPORATION | $345 | — | $345 | 4.79% |
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 | 314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 179 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 314 | $1.6M |
| Dental | DELTA DENTAL OF WISCONSIN | 137 | $107K |
| Life insurance | KANSAS CITY LIFE | 154 | $15K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 314 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.
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.