| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHWARZ INSURANCE3 | 1420 NORTH RIDGE DR PO BOX 40 PRAIRIE DU SAC, WI 53578 | QBE INSURANCE | $114K | — | $114K | 12.31% |
| AUXIANT3 | 2450 RIMROCK RD MADISON, WI 53713 | QBE INSURANCE | $50K | — | $50K | 5.34% |
| SCHWARZ INSURANCE AGENCY INC3 | 1420 NORTH RIDGE DR PRAIRIE DU SAC, WI 53578 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $44K | $8K | $52K | 17.71% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $3K | $16K | 5.43% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $1K | $3K | 0.94% |
| SCHWARZ INSURANCE AGENCY INC3 | 1420 NORTH RIDGE DR PRAIRIE DU SAC, WI 535781096 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32K | $5K | $38K | 17.41% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $2K | $12K | 5.33% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $1K | $2K | 0.95% |
| AUXIANT3 | 1233 N. MAYFAIR ROAD SUITE 207 WAUWATOSA, WI 53226 | HCC LIFE INSURANCE COMPANY | $11K | $3K | $14K | 12.70% |
| SCHWARZ INSURANCE AGENCY INC3 | 1420 NORTH RIDGE DR PRAIRIE DU SAC, WI 535781096 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $3K | $16K | 17.95% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $890 | $5K | 5.53% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $406 | $406 | $812 | 0.90% |
| SCHWARZ INSURANCE AGENCY INC3 Filed as: SCHWARZ INSURANCE AGENCY | 1420 NORTH RIDGE DR PR DU SAC, WI 53578 | RELIANCE STANDARD | $774 | — | $774 | 1.34% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD | $484 | — | $484 | 0.84% |
| SCHWARZ INSURANCE AGENCY INC3 | 1420 NORTH RIDGE DR PRAIRIE DU SAC, WI 53578 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $437 | $4K | $4K | 11.91% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.51% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $924 | — | $924 | 2.52% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $170 | $320 | $490 | 1.34% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $95 | — | $95 | 0.26% |
| SCHWARZ INSURANCE AGENCY INC3 | 1420 NORTH RIDGE DR PRAIRIE DU SAC, WI 53578 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $868 | $6K | 17.81% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IA 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $289 | $2K | 5.47% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $144 | $144 | $288 | 0.93% |
| SCHWARZ INSURANCE AGENCY INC3 | 1420 NORTH RIDGE DR PRAIRIE DU SAC, WI 53578 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $287 | $1K | $2K | 6.97% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.54% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $607 | — | $607 | 2.54% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $109 | $206 | $315 | 1.32% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $61 | — | $61 | 0.26% |
| SCHWARZ INSURANCE AGENCY INC3 | 1420 NORTH RIDGE DR PRAIRIE DU SAC, WI 53578 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $258 | $2K | 17.79% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $418 | — | $418 | 4.53% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $43 | $43 | $86 | 0.93% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $86 | $86 | 0.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AUXIANT CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | 2450 RIMROCK RD MADISON, WI 53713 | $262K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMIN | Contract Administrator Service code 13 | — | $21K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $9K |
| SCHWARZ INSURANCE INS AGENT OR BROKER | Insurance agents and brokers Service code 22 | 1420 N RIDGE DR PRAIRIE DU SAC, WI 53578 | $3K |
| SCHARZ INSURANCE INS AGENT OR BROKER | Insurance agents and brokers Service code 22 | 1420 NORTH RIDGE DRIVE PRAIRIE DU SAC, WI 53578 | $440 |
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 | 510 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | RELIANCE STANDARD | 756 | $58K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 511 | $122K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 511 | $217K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 512 | $294K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 425 | $928K |
| Other(7 contracts, 3 carriers) | HCC LIFE INSURANCE COMPANY | 628 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 756 | — |
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."
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.