| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM ALTMANN4 | 16850 W SALENTINE DR NEW BERLIN, WI 53151 | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | $24K | — | $24K | 2.48% |
| HNI RISK SERVICES4 Filed as: HNI RISK SERVICES LLC | PO BOX 510187 NEW BERLIN, WI 531510187 | HUMANA INSURANCE COMPANY | $20K | — | $20K | 3.03% |
| EAST TOWN INSURANCE SERVICES3 Filed as: EAST TOWN INSURANCE SERVICES INC | 11919 W BLUEMOUND RD WAUWATOSA, WI 53226 | SUN LIFE ASSURANCE COMPANY OF CANADA | $969 | — | $969 | 6.36% |
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 131 | $979K |
| Dental(2 contracts, 2 carriers) | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 131 | $1.6M |
| Vision(2 contracts, 2 carriers) | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 131 | $1.6M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $15K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.