| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS BENEFITS LLC3 | 1205 CEDAR ROAD MOSINEE, WI 54455 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $52K | $52K | 11.25% |
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY AND ASSOCIATES LLC | 2901 W BELTLINE HWY SUITE 202 MADISON, WI 53713 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 3.76% |
| UMR, INC.3 Filed as: UMR INC | 5151 PFEIFFER ROAD ML 400 PFEIFFER WOODS CINCINNATI, OH 45242 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 0.61% |
| COMPASS BENEFITS LLC3 | 1205 CEDAR ROAD MOSINEE, WI 54455 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 11.92% |
| COMPASS BENEFITS LLC3 | 1205 CEDAR ROAD MOSINEE, WI 54455 | WYSSTA INSURANCE COMPANY INC | $893 | — | $893 | 6.01% |
| ANSAY & ASSOCIATES LLC3 | 101 EAST GRAND AVENUE SUITE 11 PORT WASHINGTON, WI 53074 | WYSSTA INSURANCE COMPANY INC | $298 | — | $298 | 2.01% |
| COMPASS BENEFITS LLC3 | 1205 CEDAR ROAD MOSINEE, WI 54455 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | — | $516 |
| ANSAY AND ASSOCIATES LLC EIN 27-1304628 BROKER | Other commissions Service code 55 | 101 EAST GRAND AVENUE SUITE 11 PORT WASHINGTON, WI 53074 | $486 |
| COMPASS BENEFITS LLC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 1205 CEDAR ROAD MOSINEE, WI 54455 | $105 |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WYSSTA INSURANCE COMPANY INC | 76 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $106K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $106K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $106K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $472K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.