| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVERGENT LLC3 | 1400 LOMBARDI AVE STE 40 GREEN BAY, WI 54304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 21.57% |
| EP6IX3 | 3300 N SCOTTSDALE RD APT 4020 SCOTTSDALE, AZ 852516579 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 8.47% |
| JEAN STEINMETZ3 Filed as: JEAN M STEINMETZ | 1175 VERANDA CT BROOKFIELD, WI 53005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.16% |
| PAUL W DESPIRITO3 | N 2892 HILLCREST DR HORTONVILLE, WI 54944 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.06% |
| SALLY ANN WHITE3 | 3310 E PARKSIDE BLVD APT 120 APPLETON, WI 549155628 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.79% |
| RANDA RENAE SCHINDEL3 | 1270 SCHEURING RD APT 5 DE PERE, WI 541151058 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.44% |
| BENJAMIN BAKER3 | 5010 ISLE VIEW DR RHINELANDER, WI 545012106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.11% |
| JED D RYAN3 | N9238 LAURA ST APPLETON, WI 549152898 | CONTINENTAL AMERICAN INSURANCE COMPANY | $988 | — | $988 | 2.31% |
| MORGAN E MARKOWSKI3 Filed as: MORGAN ELIZABETH MARKOWSKI | 1616 S 167TH ST NEW BERLIN, WI 531511306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $836 | — | $836 | 1.96% |
| ALICE MAGUIRE3 Filed as: ALICE MACGUIRE | 4512 TWIN PINES LN WESTON, WI 544763198 | CONTINENTAL AMERICAN INSURANCE COMPANY | $625 | — | $625 | 1.46% |
| SHANNON A LADING3 | 738 W 4TH ST APPLETON, WI 549145445 | CONTINENTAL AMERICAN INSURANCE COMPANY | $551 | — | $551 | 1.29% |
| AVERGENT LLC3 Filed as: AVERGENT, LLC | 1400 LOMBARDI AVE STE 40 GREEN BAY, WI 54304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.87% |
| AVERGENT LLC3 Filed as: AVERGENT | 1400 LOMBARDI AVE STE 40 GREEN BAY, WI 54304 | WYSSTA INSURANCE COMPANY INC | $804 | — | $804 | 7.96% |
| AVERGENT LLC3 Filed as: AVERGENT, LLC | 1400 LOMBARDI AVE STE 40 GREEN BAY, WI 54304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $852 | $407 | $1K | 14.78% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 67 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $26K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 80 | $43K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 141 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.