| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUMANA MARKETPOINT INC5 Filed as: HUMANA | — | HUMANA INSURANCE COMPANY | — | $263K | $263K | 34.08% |
| MCCLONE AGENCY INC3 Filed as: THE MCCLONE AGENCY INC | PO BOX 389 MENASHA, WI 549520389 | HUMANA INSURANCE COMPANY | $85K | — | $85K | 10.97% |
| MCCLONE AGENCY INC3 Filed as: THE MCCLONE AGENCY, INC. | PO BOX 389 MENASHA, WI 549520389 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 4.21% |
| MCCLONE AGENCY INC3 Filed as: MCCLONE INSURANCE, INC. | 150 MAIN STREET MENASHA, WI 54952 | CARE-PLUS DENTAL PLANS, INC. | $7K | — | $7K | 6.00% |
| MCCLONE AGENCY INC3 Filed as: THE MCCLONE AGENCY, INC. | PO BOX 389 MENASHA, WI 549520389 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | $11K | — | $11K | 9.99% |
| DELTA DENTAL OF WISCONSIN5 | PO BOX 828 STEVENS POINT, WI 54481 | DELTA DENTAL OF WISCONSIN | — | $28K | $28K | — |
| MCCLONE AGENCY INC3 Filed as: THE MCCLONE AGENCY INC | PO BOX 389 MENASHA, WI 549520389 | DELTA DENTAL OF WISCONSIN | $2K | — | $2K | — |
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 | 756 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 770 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 756 | $773K |
| Dental(2 contracts, 2 carriers) | CARE-PLUS DENTAL PLANS, INC. | 642 | $118K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 756 | $886K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,215 | $203K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,215 | $203K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,215 | $203K |
| Stop-loss / reinsurancereinsurance | HUMANA INSURANCE COMPANY | 756 | $773K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,215 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,215 | — |
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.