| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY & ASSOCIATES | 888 STATE HWY 153 SUITE 200 MOSINEE, WI 54455 | BENEFIT PLAN ADMINISTRATORS | $84K | — | $84K | 13.08% |
| BENEFIT PLAN ADMINISTRATORS3 | 402 GRAHAM AVENUE PO BOX 1128 EAU CLAIRE, WI 54702 | BENEFIT PLAN ADMINISTRATORS | $38K | — | $38K | 5.96% |
| ANSAY & ASSOCIATES LLC3 | 101 EAST GRAND AVENUE SUITE 11 PORT WASHINGTON, WI 53074 | DELTA DENTAL OF WISCONSIN | $13K | — | $13K | 6.82% |
| JEROD THOMAS SPAETH3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 7.15% |
| LUEDER FNCL GRP LLC3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $970 | $116 | $1K | 1.28% |
| ANSAY & ASSOCIATES LLC3 | PO BOX 427 EAGLE RIVER, WI 54521 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.69% |
| 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 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.96% |
| ANSAY & ASSOCIATES LLC3 | PO BOX 427 EAGLE RIVER, WI 54521 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 14.17% |
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY & ASSOCIATES | PO BOX 427 EAGLE RIVER, WI 54521 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $591 | — | $591 | 11.99% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 175 | $187K |
| Vision | NATIONAL VISION ADMINISTRATORS | 161 | $32K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $25K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $80K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 113 | $103K |
| Prescription drug | RXBENEFITS, INC | 184 | $403K |
| Stop-loss / reinsurancereinsurance | BENEFIT PLAN ADMINISTRATORS | 184 | $644K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.