| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLAN ADMINISTRATORS3 | 402 GRAHAM AVE EAU CLAIRE, WI 54701 | SUN LIFE ASSURANCE COMPANY OF CANADA | $48K | — | $48K | 4.35% |
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY AND ASSOCIATES LLC | 2901 W BELTLINE HWY SUITE 202 MADISON, WI 53713 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $15K | $20K | 1.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 0.26% |
| ANSAY & ASSOCIATES LLC3 | 101 E GRAND AVE STE 200 PORT WASHINGTON, WI 53074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 6.82% |
| JEROD THOMAS SPAETH3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 6.13% |
| DI MEGLIO FNCL GRP LLC3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $685 | $82 | $767 | 0.74% |
| DI MEGLIO FNCL GRP LLC3 | 330 E KILBOURN AVE STE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $335 | $40 | $375 | 0.36% |
| ANSAY & ASSOCIATES LLC3 | 101 E GRAND AVE STE 200 PORT WASHINGTON, WI 53074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $890 | $5K | 11.32% |
| ANSAY & ASSOCIATES LLC3 | 888 STATE HWY 153 SUITE 200 MOSINEE, WI 54455 | NATIONAL VISION ADMINISTRATORS, LLC | $4K | — | $4K | 10.00% |
| ANSAY & ASSOCIATES LLC3 | 101 E GRAND AVE STE 200 PORT WASHINGTON, WI 53074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $728 | $6K | 16.00% |
| MARQUARDT INSURANCE GROUP INC3 Filed as: MARQUARDT INSURANCE GROUP | 5712 HIDDEN RIVER CIRCLE WESTON, WI 54476 | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.77% |
| ADVANTAGE GROUP GA LLC3 | 510 ALDERSON STREET SCHOFIELD, WI 54476 | ASSURITY LIFE INSURANCE COMPANY | $531 | — | $531 | 2.63% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA LLC | 510 ALDERSON STREET SCHOFIELD, WV 54475 | ASSURITY LIFE INSURANCE COMPANY | $500 | — | $500 | 2.48% |
| JOSEPH R JURGENSMIER3 Filed as: JOSEPH J JURGENSMIER | 130 ETHEL ST WAUSAU, WI 54403 | ASSURITY LIFE INSURANCE COMPANY | $222 | — | $222 | 1.10% |
| JOSHUA MULDER3 | 408 WAUSAU ST. BIRNAMWOOD, WI 54414 | ASSURITY LIFE INSURANCE COMPANY | $19 | — | $19 | 0.09% |
| ANSAY & ASSOCIATES LLC3 | 101 E GRAND AVE STE 200 PORT WASHINGTON, WI 53074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $234 | $2K | 11.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT PLAN ADMINISTRATORS EIN 27-1304628 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $197K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 TPA( DENTAL BENEFIT) | Contract Administrator Service code 13 | — | $12K |
| ANSAY & ASSOCIATES LLC- INS AGENT OR BROKER | Insurance agents and brokers Service code 22 | 101 EAST GRAND AVE STE 11 PORT WASHINGTON, WI 53074 | $1K |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 404 | $37K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $69K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $105K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 148 | $150K |
| Prescription drug | RXBENEFITS, INC. | 205 | $2K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 207 | $1.1M |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 245 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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."
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.