| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANSAY & ASSOCIATES LLC3 | 101 EAST GRAND AVENUE SUITE 11 PORT WASHINGTON, WI 53074 | DELTA DENTAL OF WISCONSIN | $12K | — | $12K | 6.49% |
| ANSAY & ASSOCIATES LLC3 | PO BOX 427 EAGLE RIVER, WI 54521 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.77% |
| ANSAY & ASSOCIATES LLC3 | 888 STATE HWY 153 SUITE 200 MOSINEE, WI 54455 | NATIONAL VISION ADMINISTRATORS | $3K | — | $3K | 10.00% |
| ANSAY & ASSOCIATES LLC3 | PO BOX 427 EAGLE RIVER, WI 54521 | CIGNA GROUP INSURANCE | $2K | — | $2K | 8.99% |
| ANSAY & ASSOCIATES LLC3 | PO BOX 427 EAGLE RIVER, WI 54521 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 14.44% |
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY & ASSOCIATES | 888 STATE HWY 153 SUITE 200 MOSINEE, WI 54455 | BENEFIT PLAN ADMINISTRATORS | $90K | — | $90K | — |
| BENEFIT PLAN ADMINISTRATORS3 | 402 GRAHAM AVENUE PO BOX 1128 EAU CLAIRE, WI 54702 | BENEFIT PLAN ADMINISTRATORS | $45K | — | $45K | — |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 162 | $182K |
| Vision | NATIONAL VISION ADMINISTRATORS | 322 | $31K |
| Life insurance | CIGNA GROUP INSURANCE | 180 | $25K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $78K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 200 | $17K |
| Stop-loss / reinsurancereinsurance | BENEFIT PLAN ADMINISTRATORS | 174 | $0 |
| Other | CIGNA GROUP INSURANCE | 180 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.