| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPECTRUM BENEFIT SOLUTIONS | KAREN HEBERT 4233 SOUTHTOWNE DR EAU CLAIRE, WI 54701 | HEALTH PARTNERS INSURANCE COMPANY | $36K | — | $36K | 1.13% |
| SPECTRUM BENEFIT SOLUTIONS | DARREL ZALESKI 318 N BRIDGE ST CHIPPEWA FALLS, WI 54729 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.11% |
| MIDWEST SELECT INSURANCE GROUP LLC Filed as: MIDWEST SELECT INSURANCE GROUP | 301 MAIN ST STE 101 MOSINEE, WI 54455 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 10.26% |
| SPECTRUM BENEFIT SOLUTIONS | DARREL ZALESKI 318 N BRIDGE ST CHIPPEWA FALLS, WI 54729 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.48% |
| SPECTRUM BENEFIT SOLUTION | 4233 SOUTHTOWNE DR EAU CLAIRE, WI 54701 | THE EPIC LIFE INSURANCE COMPANY | $2K | — | $2K | 6.12% |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PARTNERS INSURANCE COMPANY | 150 | $3.2M |
| Dental | HEALTH PARTNERS INSURANCE COMPANY | 150 | $3.2M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $88K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | 192 | $74K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $52K |
| Prescription drug | HEALTH PARTNERS INSURANCE COMPANY | 150 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.