| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE STARR GROUP3 Filed as: STARR INS GRP LTD | PO BOX 20001 GREENFIELD, WI 532200001 | HUMANA INSURANCE COMPANY | $54K | $8K | $62K | 4.29% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | 800 MAIN STREET DUBUQUE, IA 520016822 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 0.31% |
| THE STARR GROUP3 Filed as: STARR INSURANCE GROUP LTD | 5005 LOOMIS RD GREENFIELD MILWAUKEE, WI 53220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 19.60% |
| DIANE L STOIBER3 | 300 N CORPORATE DRIVE STE 300 BROOKFIELD, WI 53045 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 8.28% |
| LINDA J LAYBER3 | 36345 SILVER MAPLE LN OCONOMOWOC, WI 53066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.29% |
| PATRICIA SUMMERS3 | 2725 S MOORLAND RD STE 301 NEW BERLIN, WI 53151 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.33% |
| ROGERS BENEFIT GROUP INC3 Filed as: LINDSAY M ROGERS | 2622 KENDALL AVE MADISON, WI 53705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.05% |
| JACK D BREES3 | 2989 S. WAUKESHA RD SUITE 105 WEST ALLIS, WI 53277 | CONTINENTAL AMERICAN INSURANCE COMPANY | $613 | — | $613 | 2.13% |
| JANET BURACZEWSKI3 Filed as: JANET S BURACZEWSKI | W272 S4097 OVERLOOK LANE WAUKESHA, WI 53189 | CONTINENTAL AMERICAN INSURANCE COMPANY | $596 | — | $596 | 2.07% |
| JOSEPH P HOFFMAN3 | 2537 N SWAN BLVD MILWAUKEE, WI 53226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $358 | — | $358 | 1.24% |
| MANDY RUECHEL3 | 2093 COUNTY ROAD NN OCONTO, WI 54153 | CONTINENTAL AMERICAN INSURANCE COMPANY | $335 | — | $335 | 1.16% |
| MICHAEL W FRASIER3 Filed as: MICHAEL W FRAISER | 4412 WALLACE AVENUE MONONA, WI 53716 | CONTINENTAL AMERICAN INSURANCE COMPANY | $188 | — | $188 | 0.65% |
| LINDA J LAYBER3 | 36345 SILVER MAPLE LN OCONOMOWOC, WI 53066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.20% |
| EUCLID INSURANCE SERVICES INC5 | 234 SPRING LAKE DR ITASCA, IL 601433202 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $3K | 19.98% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 183 | $1.5M |
| Dental | HUMANA INSURANCE COMPANY | 183 | $1.5M |
| Vision | HUMANA INSURANCE COMPANY | 183 | $1.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 360 | $14K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 93 | $29K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 93 | $29K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 360 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.