| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERRY MURPHY3 | 15155 CASCADE DRIVE ELM GROVE, WI 53122 | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | $9K | — | $9K | 1.96% |
| EAST TOWN INSURANCE SERVICES3 Filed as: EAST TOWN INSURANCE SERVICES, INC. | 11919 W. BLUEMOUND ROAD WAUWATOSA, WI 53226 | SIRIUS AMERICAN INSURANCE CO | $22K | $5K | $27K | 11.74% |
| AUXIANT3 | 2450 RIMROCK ROAD MADISON, WI 53713 | SIRIUS AMERICAN INSURANCE CO | $14K | — | $14K | 5.91% |
| EAST TOWN INSURANCE SERVICES3 | 11919 W. BLUEMOUND ROAD WAUWATOSA, WI 53226 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $4K | — | $4K | 3.17% |
| EAST TOWN INSURANCE SERVICES3 | 11919 W. BLUEMOUND ROAD WAUWATOSA, WI 53226 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 6.32% |
| EAST TOWN INSURANCE SERVICES3 | 11919 W. BLUEMOUND ROAD WAUWATOSA, WI 53226 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 7.60% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 33 | $479K |
| Dental | DELTA DENTAL OF WISCONSIN | 122 | $93K |
| Vision | WYSSTA INSURANCE COMPANY INC | 85 | $15K |
| Other | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 14 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.