| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON INSURANCE SERVICES LLC3 | 1103 HUNTER DRIVE STE 100 MOUNT PLEASANT, WI 53406 | ANTHEM LIFE INSURANCE COMPANY | $13K | — | $13K | 28.17% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | ANTHEM LIFE INSURANCE COMPANY | $577 | — | $577 | 1.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD SUITE 202 WAUKESHA, WI 53188 | ANTHEM LIFE INSURANCE COMPANY | -$12K | — | -$12K | -25.73% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $0 | $0 | 0.00% |
| JOHNSON INSURANCE SERVICES LLC3 | 1103 HUNTER DRIVE STE 100 MOUNT PLEASANT, WI 53406 | BLUE CROSS & BLUE SHIELD OF WISCONSIN | -$3K | — | -$3K | -64.21% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FORMER WISCONSIN COLLABORATIVE INSURANCE COMPANY | 0 | $103K |
| Dental(2 contracts, 2 carriers) | CARE-PLUS DENTAL PLANS, INC. | 62 | $19K |
| Vision | BLUE CROSS & BLUE SHIELD OF WISCONSIN | 0 | $5K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 233 | $48K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 184 | $35K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 233 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.