| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY P. BEVER3 | 555 MAIN STREET, SUITE 220 RACINE, WI 53403 | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | $27K | $0 | $27K | 2.35% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, INC. | 1103 HUNTER DRIVE, SUITE 100 MOUNT PLEASANT, WI 53406 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | -$225 | $5K | 6.47% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, INC. | 555 MAIN STREET, SUITE 291 RACINE, WI 53403 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 2.42% |
| VIVANCE, INC.3 | 1320 WALNUT RIDGE DRIVE 200 HARTLAND, WI 53029 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $2K | $15K | 29.25% |
| VIVANCE, INC.3 | 1259 WINCHESTER AVENUE FOND DU LAC, WI 54935 | COMPANION LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.82% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, INC. | 555 MAIN STREET, SUITE 220 RACINE, WI 53403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $890 | $0 | $890 | 10.14% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, INC. | 1103 HUNTER DRIVE, SUITE 100 MOUNT PLEASANT, WI 53406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $111 | $111 | 1.26% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 182 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $70K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $70K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 43 | $60K |
| Short-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 57 | $30K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 43 | $51K |
| Prescription drug | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 182 | $1.1M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 43 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.