| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZIMDARS COMPANY INC3 | 406 SCIENCE DR STE 206 MADISON, WI 53711 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.93% |
| WAICU3 | 122 W WASHINGTON AVE STE 700 MADISON, WI 53703 | STANDARD INSURANCE COMPANY | $428 | — | $428 | 1.10% |
| FRINGE BENEFIT PLANNING INC3 | W223N608 SARATOGA DR WAUKESHA, WI 531860401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.18% |
| ROBERTSON RYAN & ASSOCIATES3 Filed as: ROBERTSON RYAN & ASSOCIATES INC | 330 E KILBOURN AVE, STE 650 MILWAUKEE, WI 532023175 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 28.68% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 218 | $43K |
| Short-term disability | STANDARD INSURANCE COMPANY | 150 | $39K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 218 | $43K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.