| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY AND ASSOCIATES LLC | 2901 W BELTLINE HWY SUITE 202 MADISON, WI 53713 | SUN LIFE ASSURANCE COMPANY OF CANADA | $103K | — | $103K | 10.33% |
| BENEFIT PLAN ADMINISTRATORS3 | 402 GRAHAM AVE EAU CLAIRE, WI 54701 | SUN LIFE ASSURANCE COMPANY OF CANADA | $47K | — | $47K | 4.71% |
| ANSAY & ASSOCIATES LLC3 | 101 EAST GRAND AVE STE 11 PORT WASHINGTON, WI 53074 | DELTA DENTAL OF WISCONSIN | $13K | — | $13K | 6.50% |
| JEROD THOMAS SPAETH3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 6.68% |
| LUEDER FNCL GRP LLC3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $985 | $118 | $1K | 1.19% |
| ANSAY & ASSOCIATES LLC3 | PO BOX 427 EAGLE RIVER, WI 54521 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.74% |
| ANSAY & ASSOCIATES LLC3 | PO BOX 427 EAGLE RIVER, WI 54521 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.30% |
| ANSAY & ASSOCIATES LLC3 | 888 STATE HWY 153 SUITE 200 MOSINEE, WI 54455 | NATIONAL VISION ADMINISTRATORS, LLC | $3K | — | $3K | 10.00% |
| ANSAY & ASSOCIATES LLC3 | PO BOX 427 EAGLE RIVER, WI 54521 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 11.36% |
| INSGROUP INC3 Filed as: MARQUARDT INSURANCE GROUP INS | 5712 HIDDEN RIVER CIRCLE WESTON, WI 54476 | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.31% |
| ADVANTAGE GROUP GA LLC3 | 510 ALDERSON STREET SCHOFIELD, WI 54476 | ASSURITY LIFE INSURANCE COMPANY | $539 | — | $539 | 2.79% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA LLC | 510 ALDERSON STREET SCHOFIELD, WI 54476 | ASSURITY LIFE INSURANCE COMPANY | $496 | — | $496 | 2.57% |
| JOSEPH R JURGENSMIER3 | 130 ETHEL ST WAUSAU, WI 54403 | ASSURITY LIFE INSURANCE COMPANY | $261 | — | $261 | 1.35% |
| JOSHUA MULDER3 Filed as: JOSHUA NATHANIEL MULDER | 408 WAUSAU ST. BIRNAMWOOD, WI 54414 | ASSURITY LIFE INSURANCE COMPANY | $89 | — | $89 | 0.46% |
| ANSAY & ASSOCIATES LLC3 | PO BOX 427 EAGLE RIVER, WI 54521 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.57% |
| ANSAY & ASSOCIATES LLC3 | PO BOX 427 EAGLE RIVER, WI 54521 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.80% |
| ANSAY & ASSOCIATES LLC3 | PO BOX 427 EAGLE RIVER, WI 54521 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.71% |
| ANSAY & ASSOCIATES LLC3 | PO BOX 427 EAGLE RIVER, WI 54521 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $452 | — | $452 | 12.01% |
| ANSAY & ASSOCIATES LLC3 | PO BOX 427 EAGLE RIVER, WI 54521 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $348 | — | $348 | 10.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT PLAN ADMINISTRATORS EIN 27-1304628 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $92K |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 184 | $206K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 381 | $34K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 221 | $17K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 214 | $115K |
| Long-term disability(3 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 127 | $128K |
| Prescription drug | RXBENEFITS, INC. | 192 | $340K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 192 | $1.0M |
| Other(7 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 221 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.