| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $68K | — | $68K | 6.95% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 1.25% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | DELTA DENTAL OF WISCONSIN | $56K | — | $56K | 10.71% |
| HODGES-MACE BENEFITS GRP INC3 | 5775 E GLENRIDGE DR STE 500 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $153K | $26K | $179K | 51.74% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | — | $51K | 14.77% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | DELTA DENTAL OF WISCONSIN | $18K | — | $18K | 11.61% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N. PATRICK BLVD., STE 100 BROOKFIELD, WI 53045 | WYSSTA INSURANCE COMPANY INC | $12K | — | $12K | 9.58% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | WYSSTA INSURANCE COMPANY INC | $743 | — | $743 | 9.57% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | WYSSTA INSURANCE COMPANY INC. | $497 | — | $497 | 9.49% |
| ENROLLMENT RESOURCES GROUP3 | WILLIS OF ILLINOIS, INC. 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 2.31% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, INC. | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 1.03% |
| PROES INC.3 | 5488 E SR 46 BLOOMINGTON, IN 47401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.77% |
| R E SUTTON AND ASSOCIATES LLC3 | 11555 N MERIDAL STE 220 CARMEL, IN 46032 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.26% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | WYSSTA INSURANCE COMPANY INC | $19 | — | $19 | 11.45% |
| 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 | $110K |
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 NONE | Consulting (general) Service code 16 | 2601 W. BELTLINE HIGHWAY SUITE 600 MADISON, WI 53713 | $39K |
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 | 1,278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF WISCONSIN | 850 | $675K |
| Vision(4 contracts) | WYSSTA INSURANCE COMPANY INC | 1,009 | $139K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,106 | $981K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,106 | $981K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,106 | $981K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,106 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,106 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.