| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JILLIAN GORRES3 | JA COUNTER ASSOCIATES INC 1477 S KNOWLES AVE NEW RICHMOND, WI 54017 | PREVEA360 HEALTH PLAN | $17K | — | $17K | 0.92% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 5.39% |
| J A COUNTER & ASSOCIATES INC3 Filed as: JA COUNTER & ASSOCIATES INC | PO BOX 387 NEW RICHMOND, WI 54017 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 2.85% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREVEA360 HEALTH PLAN | 117 | $1.9M |
| Dental | HEALTHPARTNERS INSURANCE COMPANY | 206 | $83K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $9K |
| Life insurance(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 156 | $246K |
| Short-term disability(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 156 | $246K |
| Long-term disability(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 156 | $246K |
| Other(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 156 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.