| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASEY O'GORMAN3 Filed as: CASEY P O'GORMAN | W233N 2080 RIDGEVIEW PKWY STE 302 WAUKESHA, WI 53188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.00% |
| SALVATORE J FERRITO3 | W233 N2080 RIDGEVIEW PARKWAY WAUKESHA, WI 53029 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.00% |
| ACRISURE LLC3 | DBA HNI RISK SERVICES 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $135 | $1K | 1.53% |
| CGI-COMMERCIAL GROUP3 | INTERMEDIARIES 2356 HASSELL RD. HOFFMAN ESTATES, IL 60169 | HCC LIFE INSURANCE COMPANY | — | $922 | $922 | 5.00% |
| CASEY O'GORMAN3 | W233N 2080 RIDGEVIEW PKWY STE 302 WAUKESHA, WI 53188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $904 | — | $904 | 5.56% |
| SALVATORE J FERRITO3 | W233 N2080 RIDGEVIEW PKWY WAUKESHA, WI 53029 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $904 | — | $904 | 5.56% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HNI RISK SERVICE | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $634 | $32 | $666 | 4.09% |
| ACRISURE LLC3 | PO BOX 51187 NEW BERLIN, WI 53151 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 8.31% |
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 | 104 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 76 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $91K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $74K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $74K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.