| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSMAN JOHNSON INSURANCE INC3 Filed as: HAUSMAN JOHNSON INSURANCE | 700 REGENT ST ST #400 MADISON, WI 53715 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $16K | — | $16K | 0.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN | 1062 OAK FOREST DR ONALASKA, WI 54650 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $10K | — | $10K | 0.45% |
| INGENIUM PRIME INC3 Filed as: INGENIUM PRIME, INC | N25 W23050 PAU RD PEWAUKEE, WI 53072 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 5.64% |
| HAUSMAN JOHNSON INSURANCE INC Filed as: HAUSMAN-JOHNSON INSURANCE | 740 REGENT ST, 4TH FL PO BOX 259408 MADISON, WI 53725 | KANSAS CITY LIFE | $987 | — | $987 | 5.06% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN AND BROWN OF WISCONSIN | 1062 OAK FOREST DR ONALASKA, WI 54650 | KANSAS CITY LIFE | $583 | — | $583 | 2.99% |
| EMPLOYEE NAVIGATOR, LLC Filed as: EMPLOYEE BENEFITS CORPORATION | PO BOX 44347 MADISON, WI 53744 | EMPLOYEE BENEFITS CORPORATION | — | $9K | $9K | — |
| HAUSMANN-JOHNSON INSURANCE INC Filed as: HAUSMANN-JOHNSON INSURANCE, INC. | 740 REGENST ST, 4TH FL PO BOX 259408 MADISON, WI 53725 | EMPLOYEE BENEFITS CORPORATION | $268 | — | $268 | — |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN AND BROWN INSURANCE | 1062 OAK FOREST DR, SUITE 120 ONALASKA, WI 54650 | EMPLOYEE BENEFITS CORPORATION | $178 | — | $178 | — |
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 | 331 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 331 | $2.3M |
| Dental | DELTA DENTAL OF WISCONSIN | 164 | $112K |
| Life insurance | KANSAS CITY LIFE | 192 | $19K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 331 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.