| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD SUITE 100 BROOKFIELD, WI 53045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $68K | — | $68K | 6.85% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 250 N PATRICK BLVD SUITE 100 BROOKFIELD, WI 53045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 1.25% |
| ACRISURE LLC3 | PO BOX 51187 NEW BERLIN, WI 531510187 | DELTA DENTAL OF WISCONSIN | $59K | — | $59K | 11.14% |
| HODGES-MACE BENEFIT GRP3 Filed as: HODGES-MACE BENEIFTS GROUP | 5775 E GLENRIDGE DR SUITE 500 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | $6K | $52K | 18.49% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD SUITE 100 BROOKFIELD, WI 53045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 5.51% |
| ACRISURE LLC3 | PO BOX 51187 NEW BERLIN, WI 531510187 | DELTA DENTAL OF WISCONSIN | $19K | — | $19K | 12.00% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD SUITE 100 BROOKFIELD, WI 53045 | WYSSTA INSURANCE COMPANY INC | $12K | — | $12K | 10.00% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD SUITE 100 BROOKFIELD, WV 53045 | WYSSTA INSURANCE COMPANY INC | $759 | — | $759 | 10.00% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD SUITE 100 BROOKFIELD, WI 53045 | WYSSTA INSURANCE COMPANY INC | $601 | — | $601 | 10.00% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N PATRICK BLVD SUITE 100 BROOKFIELD, WI 53045 | WYSSTA INSURANCE COMPANY INC | $16 | — | $16 | 9.88% |
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 | 1,296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF WISCONSIN | 876 | $685K |
| Vision(4 contracts) | WYSSTA INSURANCE COMPANY INC | 1,014 | $134K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,243 | $1.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,243 | $986K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,243 | $986K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,243 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,243 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.