| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INC3 Filed as: BENEFITS, INC. | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | $9K | $62K | 8.26% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | DELTA DENTAL OF WISCONSIN | $54K | — | $54K | 11.20% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | DELTA DENTAL OF WISCONSIN | $22K | — | $22K | 11.94% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N. PATRICK BLVD., SUITE 100 BROOKFIELD, WI 53045 | WYSSTA INSURANCE COMPANY INC | $12K | — | $12K | 10.20% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | WYSSTA INSURANCE COMPANY INC | $798 | — | $798 | 10.45% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | WYSSTA INSURANCE COMPANY INC | $719 | — | $719 | 10.39% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | WYSSTA INSURANCE COMPANY INC | $46 | — | $46 | 9.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS AND BLUE SHIELD EIN 06-1475928 NONE | Claims processing; Contract Administrator Service code 12 | PO BOX 105557 ATLANTA, GA 30348 | $1.1M |
| HEALICS, INC. EIN 39-1828314 NONE | Other services Service code 49 | W140N5084 LILLY ROAD MENOMONEE FALLS, WI 53051 | $432K |
| DIVERSIFIED BENEFIT SERVICES, INC NONE | Other services Service code 49 | PO BOX 260 HARTLAND, WI 53029 | $80K |
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 NONE | Consulting (general) Service code 16 | 2601 W. BELTLINE HIGHWAY SUITE 600 MADISON, WI 53713 | $77K |
| BENECO EIN 39-1524097 NONE | Contract Administrator Service code 13 | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | $45K |
| CONEXIS EIN 94-3351864 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | PO BOX 226101 DALLAS, TX 75222 | $11K |
| WIPFLI LLP EIN 39-0758449 NONE | Accounting (including auditing) Service code 10 | — | $10K |
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 | 1,281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF WISCONSIN | 792 | $664K |
| Vision(4 contracts) | WYSSTA INSURANCE COMPANY INC | 987 | $136K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,159 | $747K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,159 | $747K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,159 | $747K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,159 | $747K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,159 | — |
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.