| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF WISCONSIN INC | 400 N EXECUTIVE DRIVE SUITE 400 BROOKFIELD, WI 53005 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $521 | — | $521 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 93033 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $42 | $42 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 400 N EXECUTIVE DRIVE SUITE 400 BROOKFIELD, WI 53005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $591 | $4K | 7.19% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF WISCONSIN INC | 400 N EXECUTIVE DRIVE SUITE 400 BROOKFIELD, WI 53005 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $0 | $0 | $0 | 0.00% |
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 | 285 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF WISCONSIN | 285 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 530 | $150K |
| Vision | BLUE CROSS BLUE SHIELD OF WISCONSIN | 283 | $7K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 379 | $49K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF WISCONSIN | 285 | $2.6M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 379 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.