| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $596 | $6K | 9.23% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA, LLC | 510 ALDERSON STREET SCHOFIELD, WI 54476 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $855 | $0 | $855 | 3.33% |
| JOSEPH P CALARCO3 Filed as: JOSEPH R. JURGENSMIER | 238058 NORTH TROY STREET WAUSAU, WI 54403 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $633 | $0 | $633 | 2.47% |
| MICHAEL D. HELLER3 | 97 SOUTH STREET LITTLETON, NH 03561 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $160 | $0 | $160 | 0.62% |
| RONALD KRUEGER SR3 | 685 NORTH AVENUE ANTIGO, WI 54409 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $149 | $0 | $149 | 0.58% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA C. WRIGHT | UNKNOWN NEOPIT, WI 54150 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $72 | $0 | $72 | 0.28% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH PROBST | N10759 HIGHWAY 151 MALONE, WI 53049 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $66 | $0 | $66 | 0.26% |
| MJ INSURANCE3 Filed as: GARY WARE AND VARIOUS AGENTS | 3808 WEST SPRINGFIELD AVENUE SUITE C CHAMPAIGN, IL 61822 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $59 | $0 | $59 | 0.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD SUITE 14B CHICAGO, IL 60604 | TOKIO MARINE | $2K | $0 | $2K | 9.99% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA, LLC | 510 ALDERSON STREET SCHOFIELD, WI 54476 | TRANSAMERICA LIFE INSURANCE COMPANY | $703 | $0 | $703 | 5.53% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WARE AND ASSOCIATES INC | 3808 WEST SPRINGFIELD AVENUE SUITE C CHAMPAIGN, IL 61822 | TRANSAMERICA LIFE INSURANCE COMPANY | $325 | $0 | $325 | 2.55% |
| JOSEPH P CALARCO3 Filed as: JOSEPH R. JURGENSMIER | 238058 NORTH TROY STREET WAUSAU, WI 54403 | TRANSAMERICA LIFE INSURANCE COMPANY | $124 | $0 | $124 | 0.97% |
| RONALD KRUEGER SR3 | 685 NORTH AVENUE ANTIGO, WI 54409 | TRANSAMERICA LIFE INSURANCE COMPANY | $54 | $0 | $54 | 0.42% |
| MICHAEL D. HELLER3 | 97 SOUTH STREET LITTLETON, NH 03561 | TRANSAMERICA LIFE INSURANCE COMPANY | $50 | $0 | $50 | 0.39% |
| MJ INSURANCE3 Filed as: ELIZABETH PROBST AND VARIOUS AGENTS | N10759 HIGHWAY 151 MALONE, WI 53049 | TRANSAMERICA LIFE INSURANCE COMPANY | $17 | $0 | $17 | 0.13% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $63K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $89K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $63K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
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.