| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHWARZ INSURANCE3 | 1420 NORTH RIDGE DRIVE PRAIRIE DU SAC, WI 53578 | AMERICAN FIDELITY | $101K | — | $101K | 12.39% |
| AUXIANT3 | 2450 RIMROCK RD MADISON, WI 53713 | AMERICAN FIDELITY | $43K | — | $43K | 5.26% |
| SCHWARZ INSURANCE AGENCY INC3 | 1420 NORTH RIDGE DR PRAIRIE DU SAC, WI 53578 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $44K | $5K | $49K | 16.89% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $1K | $16K | 5.47% |
| SCHWARZ INSURANCE AGENCY INC3 | 1420 NORTH RIDGE DR PRAIRIE DU SAC, WA 53578 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | $4K | $33K | 16.89% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $927 | $11K | 5.47% |
| SCHWARZ INSURANCE AGENCY INC3 | 1420 NORTH RIDGE DR PRAIRIE DU SAC, WI 53578 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $2K | $16K | 16.82% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $422 | $5K | 5.46% |
| SCHWARZ INSURANCE AGENCY INC3 | 1420 NORTH RIDGE DR PRAIRIE DU SAC, WI 53578 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $21 | $6K | 11.00% |
| GROUP INSURANCE SERVICES INC3 | PO BOX 901 NAPERVILLE, IA 60566 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 7.62% |
| SCHWARZ INSURANCE AGENCY INC3 | 1420 NORTH RIDGE DR PRAIRIE DU SAC, WI 53578 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $642 | $6K | 16.93% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IA 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $161 | $2K | 5.49% |
| SCHWARZ INSURANCE AGENCY INC3 | 1420 NORTH RIDGE DR PRAIRIE DU SAC, WI 53578 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $157 | $1K | 16.90% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $412 | $39 | $451 | 5.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AUXIANT CLAIMS PROCESING | Claims processing; Contract Administrator Service code 12 | 2450 RIMROCK RD MADISON, WI 53713 | $213K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMIN | Contract Administrator Service code 13 | — | $19K |
| FAMILY SERVICE MADISON CONSULTING (GENERAL) | Employee (plan); Consulting (general) Service code 16 | 128 E. OLIN AVE. SUITE 100 MADISON, WI 53713 | $16K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $8K |
| SCHWARZ INSURANCE INS AGENT OR BROKER | Insurance agents and brokers Service code 22 | 1420 N RIDGE DR PRAIRIE DU SAC, WI 53578 | $3K |
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 | 610 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,179 | $50K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 553 | $126K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 553 | $196K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 553 | $290K |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY | 433 | $818K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 567 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,179 | — |
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."
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.