| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAE ANNE BREAUDRY3 | N19 W24101 N RIVERWOOD DR WAUKESHA, WI 531881131 | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | $22K | — | $22K | 1.79% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INS. GROUP LLC | PO BOX 207 MOSINEE, WI 54455 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.00% |
| STEVEN SCULLION3 Filed as: STEVEN C SCULLION | 1101 W CLAIREMONT AVENUE, SUITE 2E EAU CLAIRE, WI 54701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.98% |
| MIDWEST SELECT INSURANCE GROUP LLC3 | N27 W23953 PAUL ROAD, SUITE 200 PEWAUKEE, WI 53072 | COMPANION LIFE INSURANCE COMPANY | $6K | $5 | $6K | 22.52% |
| STEVEN SCULLION3 Filed as: STEVEN C SCULLION | 1101 W CLAIRMONT AVENUE, SUITE 2E EAU CLAIRE, WI 54701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 18.44% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INS. GROUP LLC | PO BOX 207 MOSINEE, WI 54455 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $879 | — | $879 | 5.45% |
| MIDWEST SELECT INSURANCE GROUP LLC3 | PO BOX 207 MOSINEE, WI 54455 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INS GROUP LLC | PO BOX 207 MOSINEE, WI 54455 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $628 | — | $628 | 10.00% |
| STEVEN SCULLION3 Filed as: STEVEN C SCULLION | 1101 W CLAIREMONT AVENUE STE. 2E EAU CLAIRE, WI 54701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $142 | — | $142 | 2.26% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | N19W24101 N RIVERWOODS DR WAUKESHA, WI 53188 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | — |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | HARTFORD LIFE AND ACCIDENT | -$4 | — | -$4 | — |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 273 | $1.3M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 63 | $52K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 278 | $15K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 138 | $0 |
| Other(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 278 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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."
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.