| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUMANA MARKETPOINT INC5 Filed as: HUMANA | — | HUMANA INSURANCE COMPANY | — | $320K | $320K | 46.97% |
| MCCLONE AGENCY INC3 Filed as: THE MCCLONE AGENCY INC | PO BOX 389 MENASHA, WI 549520389 | HUMANA INSURANCE COMPANY | $73K | — | $73K | 10.66% |
| MCCLONE AGENCY INC3 Filed as: THE MCCLONE AGENCY, INC. | PO BOX 389 MENASHA, WI 549520389 | RELIASTAR LIFE INSURANCE COMPANY | $29K | — | $29K | 7.93% |
| MCCLONE AGENCY INC3 Filed as: THE MCCLONE AGENCY, INC. | PO BOX 389 MENASHA, WI 549520389 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | $7K | — | $7K | 10.17% |
| DELTA DENTAL OF WISCONSIN5 | PO BOX 828 STEVENS POINT, WI 54481 | DELTA DENTAL OF WISCONSIN | — | $32K | $32K | — |
| MCCLONE AGENCY INC3 Filed as: THE MCCLONE AGENCY INC | PO BOX 389 MENASHA, WI 549520389 | DELTA DENTAL OF WISCONSIN | $3K | — | $3K | — |
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 | 715 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 719 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 715 | $681K |
| Dental | DELTA DENTAL OF WISCONSIN | 743 | $0 |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 945 | $753K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,908 | $364K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,908 | $364K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,908 | $364K |
| Stop-loss / reinsurancereinsurance | HUMANA INSURANCE COMPANY | 715 | $681K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,908 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,908 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.