| 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 | $6K | $4K | $10K | 11.78% |
| JOSEPH P CALARCO3 Filed as: JOSEPH R. JURGENSMIER | UNKNOWN NEOPIT, WI 54150 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $538 | $0 | $538 | 2.39% |
| ADVANTAGE GROUP GA LLC3 | UNKNOWN NEOPIT, WI 54150 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $519 | $0 | $519 | 2.30% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA LLC | UNKNOWN NEOPIT, WI 54150 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $209 | $0 | $209 | 0.93% |
| MICHAEL C WALKER3 Filed as: MICHAEL DAVID HELLER | UNKNOWN NEOPIT, WI 54150 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $124 | $0 | $124 | 0.55% |
| MJ INSURANCE3 Filed as: JOSHUA C. WRIGHT & VARIOUS AGENTS | UNKNOWN NEOPIT, WI 54150 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $115 | $0 | $115 | 0.51% |
| RONALD E. KRUEGER3 | UNKNOWN NEOPIT, WI 54150 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $107 | $0 | $107 | 0.47% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH PROBST | UNKNOWN NEOPIT, WI 54150 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $64 | $0 | $64 | 0.28% |
| RDD MARKETING, INC.3 | 8984 DARROW ROAD, SUITE 2-121 TWINSBURG, OH 44087 | HCC LIFE INSURANCE COMPANY | — | $905 | $905 | 5.00% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA, LLC | 510 ALDERSON STREET SCHOFIELD, WI 54476 | TRANSAMERICA LIFE INSURANCE COMPANY | $608 | $0 | $608 | 5.56% |
| 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 | $265 | $0 | $265 | 2.42% |
| JOSEPH P CALARCO3 Filed as: JOSEPH R. JURGENSMIER | 130 ETHEL STREET WAUSAU, WI 54403 | TRANSAMERICA LIFE INSURANCE COMPANY | $110 | $0 | $110 | 1.01% |
| MICHAEL D. HELLER3 | 97 SOUTH STREET LITTLETON, NH 03561 | TRANSAMERICA LIFE INSURANCE COMPANY | $48 | $0 | $48 | 0.44% |
| RONALD KRUEGER SR3 | 685 NORTH AVENUE ANTIGO, WI 54409 | TRANSAMERICA LIFE INSURANCE COMPANY | $47 | $0 | $47 | 0.43% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH PROBST | N10759 HWY 151 MALONE, WI 53049 | TRANSAMERICA LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.05% |
| MARQUARDT INSURANCE GROUP INC3 | 510 ALDERSON STREET SCHOFIELD, WI 54476 | TRANSAMERICA LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.04% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $81K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $104K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $81K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.