| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUMANA MARKETPOINT INC5 Filed as: HUMANA | — | HUMANA HEALTH PLAN, INC. | — | $253K | $253K | 30.94% |
| MCCLONE AGENCY INC3 Filed as: THE MCCLONE AGENCY INC | PO BOX 389 MENASHA, WI 549520389 | HUMANA HEALTH PLAN, INC. | $90K | $2K | $92K | 11.26% |
| MCCLONE AGENCY INC3 Filed as: THE MCCLONE AGENCY, INC. | 150 MAIN STREET, SUITE 300 MENASHA, WI 549520389 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $20K | $45K | 9.34% |
| MCCLONE AGENCY INC3 Filed as: MCCLONE INSURANCE, INC. | 150 MAIN STREET MENASHA, WI 54952 | CARE PLUS MANAGED CARE DENTAL PLANS | $8K | — | $8K | 6.00% |
| MCCLONE AGENCY INC3 | 150 MAIN STREET SUITE 300 MENASHA, WI 54952 | 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 | — | $27K | $27K | — |
| 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 | 754 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 764 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 757 | $818K |
| Dental(2 contracts, 2 carriers) | CARE PLUS MANAGED CARE DENTAL PLANS | 631 | $130K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | 593 | $107K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,219 | $481K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,219 | $481K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,219 | $481K |
| Stop-loss / reinsurancereinsurance | HUMANA HEALTH PLAN, INC. | 757 | $818K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,219 | $481K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,219 | — |
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.