| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON FINANCIAL GROUP3 | 1446 116TH ST. CHIPPEWA FALLS, WI 54729 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $41K | $41K | 3.25% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 1103 HUNTER DR. MOUNT PLEASANT, WI 53406 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 5.79% |
| MIDWEST SELECT INSURANCE GROUP LLC3 | N27 W23953 PAUL RD., STE 200 PEWAUKEE, WI 53072 | COMPANION LIFE | $11K | $5 | $11K | 22.47% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INS. GROUP, INC. | 1101 W. CLAIREMONT AVE., STE. 2E EAU CLAIRE, WI 54701 | ASSURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 72.71% |
| JOHNSON INSURANCE SERVICES LLC3 | 1103 HUNTER DR. MOUNT PLEASANT, WI 53406 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 8.70% |
| MIDWEST SELECT INSURANCE GROUP LLC3 | N27 W23953 PAUL ROAD, STE.200 PEWAUKEE, WI 53072 | COMPANION LIFE | $2K | $5 | $2K | 22.54% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INSURANCE GROUP | 1101 W. CLAIREMONT AVE., STE. 2E EAU CLAIRE, WA 54701 | ASSURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 72.97% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $1.3M |
| Dental | DELTA DENTAL OF WISCONSIN | 133 | $84K |
| Vision | WYSSTA INSURANCE COMPANY INC | 106 | $12K |
| Life insurance(2 contracts) | COMPANION LIFE | 151 | $60K |
| Short-term disability(2 contracts) | COMPANION LIFE | 151 | $60K |
| Long-term disability(2 contracts) | COMPANION LIFE | 151 | $60K |
| Other(4 contracts, 2 carriers) | COMPANION LIFE | 151 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.