| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $19K | $42K | 8.17% |
| NHI RISK SERVICES LLC3 | PO BOX 510187 NEW BERLIN, WI 53151 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | — | $28K | 5.45% |
| ACRISURE LLC3 | PO BOX 51187 NEW BERLIN, WI 531510187 | DELTA DENTAL OF WISCONSIN | $57K | — | $57K | 11.25% |
| ACRISURE LLC3 | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $10K | $18K | 9.95% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | PO BOX 510187 NEW BERLIN, WI 53151 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 5.56% |
| ACRISURE LLC3 | PO BOX 51187 NEW BERLIN, WI 531510187 | DELTA DENTAL OF WISCONSIN | $18K | — | $18K | 12.12% |
| ACRISURE LLC3 | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $8K | $14K | 9.99% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | PO BOX 510187 NEW BERLIN, WI 53151 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 5.46% |
| ACRISURE LLC3 | PO BOX 51187 NEW BERLIN, WI 531510187 | WYSSTA INSURANCE COMPANY INC | $13K | — | $13K | 10.45% |
| ACRISURE LLC3 | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.35% |
| ACRISURE LLC3 | PO BOX 51187 NEW BERLIN, WI 531510187 | WYSSTA INSURANCE COMPANY INC | $811 | — | $811 | 10.45% |
| ACRISURE LLC3 | PO BOX 51187 NEW BERLIN, WI 531510187 | WYSSTA INSURANCE COMPANY INC | $557 | — | $557 | 10.46% |
| ACRISURE LLC3 | PO BOX 51187 NEW BERLIN, WI 531510187 | WYSSTA INSURANCE COMPANY INC | $22 | — | $22 | 10.53% |
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 | 1,377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF WISCONSIN | 887 | $657K |
| Vision(4 contracts) | WYSSTA INSURANCE COMPANY INC | 1,058 | $134K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,137 | $82K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,203 | $518K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 957 | $145K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,137 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,137 | — |
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.
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.