| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANSAY & ASSOCIATES LLC3 | 888 HWY 153 MOSINEE, WI 54455 | ASPIRUS HEALTH PLAN | $31K | — | $31K | 1.21% |
| ANSAY & ASSOCIATES LLC3 | 101 E GRAND AVE STE 11 PORT WASHINGTON, WI 53074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.92% |
| ANSAY & ASSOCIATES LLC3 | 101 E GRAND AVE STE 200 PORT WASHINGTON, WI 53074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| ANSAY & ASSOCIATES LLC3 | 101 E GRAND AVE STE 11 PORT WASHINGTON, WI 53074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| ANSAY & ASSOCIATES LLC3 | 101 E GRAND AVE STE 200 PORT WASHINGTON, WI 53074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.17% |
| ANSAY & ASSOCIATES LLC3 | 101 E GRAND AVE STE 11 PORT WASHINGTON, WI 53704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 11.92% |
| ANSAY & ASSOCIATES LLC3 | 101 E GRAND AVE STE 200 PORT WASHINGTON, WI 53704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.23% |
| ANSAY & ASSOCIATES LLC3 | 101 E GRAND AVE STE 11 PORT WASHINGTON, WI 53074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ANSAY & ASSOCIATES LLC3 | 101 E GRAND AVE STE 200 PORT WASHINGTON, WI 53074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.10% |
| ANSAY & ASSOCIATES LLC3 | 101 E GRAND AVE STE 11 PORT WASHINGTON, WI 53074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $850 | — | $850 | 8.79% |
| ANSAY & ASSOCIATES LLC3 | 101 E GRAND AVE STE 200 PORT WASHINGTON, WI 53074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $409 | $409 | 4.23% |
| ANSAY & ASSOCIATES LLC3 | 101 E GRAND AVE STE 11 PORT WASHINGTON, WI 53074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $384 | — | $384 | 9.99% |
| ANSAY & ASSOCIATES LLC3 | 101 E GRAND AVE STE 200 PORT WASHINGTON, WI 53074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $161 | $161 | 4.19% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ASPIRUS HEALTH PLAN | 246 | $2.6M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $77K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 74 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $29K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.