| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 1200 NORTH MAYFAIR ROAD SUITE 100 MILWAUKEE, WI 53226 | SYMETRA LIFE INSURANCE COMPANY | $181K | — | $181K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | 6711 COLUMBIA GATEWAY DRIVE SUITE 450 COLUMBIA, MD 21046 | SYMETRA LIFE INSURANCE COMPANY | — | $42K | $42K | 3.45% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF WI LLC | 1200 NORTH MAYFAIR ROAD MILWAUKEE, WI 53226 | HARTFORD LIFE AND ACCIDENT | $37K | — | $37K | 8.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE INC | 100 RIALTO PLACE SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 2.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS INC | 1200 NORTH MAYFAIR ROAD SUITE 100 MILWAUKEE, WI 53226 | DELTA DENTAL OF WISCONSIN | $12K | — | $12K | 2.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS INC | 1200 NORTH MAYFAIR ROAD SUITE 100 MILWAUKEE, WI 53226 | WYSSTA INSURANCE COMPANY INC | $5K | — | $5K | 7.36% |
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 | 961 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 964 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 768 | $415K |
| Vision | WYSSTA INSURANCE COMPANY INC | 516 | $65K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 961 | $425K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 961 | $425K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 961 | $425K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 694 | $1.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 961 | $425K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 961 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.