| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENECO3 Filed as: BENECO OF WISCONSIN, INC. | 250 N. PATRICK BOULEVARD SUITE 100 BROOKFIELD, WI 53045 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $34K | $38K | 3.70% |
| WMC SERVICE CORPORATION3 | 2 BUTTONWOOD COURT MADISON, WI 53718 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $8K | $8K | 11.05% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC. | 250 N PATRICK BOULEVARD BROOKFIELD, WI 53045 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 10.50% |
| VIZANCE, INC.3 | 1320 WALNUT RIDGE DRIVE SUITE 200 HARTLAND, WI 53029 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 1.82% |
| PLANNED ADMINISTRATORS, INC.5 | P.O. BOX 6927 COLUMBIA, SC 29260 | BCS INSURANCE COMPANY | $0 | $8K | $8K | 16.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 17335 GOLF PARKWAY SUITE 450 BROOKFIELD, WI 53045 | BCS INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| PLANNED ADMINISTRATORS, INC.5 | P.O. BOX 6927 COLUMBIA, SC 29260 | BCS INSURANCE COMPANY | $0 | $2K | $2K | 16.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 17335 GOLF PARKWAY SUITE 450 BROOKFIELD, WI 53045 | BCS INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| PLANNED ADMINISTRATORS, INC.5 | P.O. BOX 6927 COLUMBIA, SC 29260 | BCS INSURANCE COMPANY | $0 | $748 | $748 | 16.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 17335 GOLF PARKWAY SUITE 450 BROOKFIELD, WI 53045 | BCS INSURANCE COMPANY | $680 | $0 | $680 | 15.01% |
| PLANNED ADMINISTRATORS, INC.5 | P.O. BOX 6927 COLUMBIA, SC 29260 | 4 EVER LIFE INSURANCE COMPANY | $0 | $660 | $660 | 16.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 17335 GOLF PARKWAY SUITE 450 BROOKFIELD, WI 53045 | 4 EVER LIFE INSURANCE COMPANY | $600 | $0 | $600 | 14.99% |
| PLANNED ADMINISTRATORS, INC.5 | P.O. BOX 6927 COLUMBIA, SC 29260 | 4 EVER LIFE INSURANCE COMPANY | $0 | $122 | $122 | 16.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 17335 GOLF PARKWAY SUITE 450 BROOKFIELD, WI 53045 | 4 EVER LIFE INSURANCE COMPANY | $111 | $0 | $111 | 15.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS, INC. EIN 57-0718839 TPA | Contract Administrator; Claims processing Service code 12 | — | $10K |
| MARSH & MCLENNAN AGENCY LLC EIN 36-2668272 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 243 | $1.1M |
| Dental | BCS INSURANCE COMPANY | 147 | $13K |
| Vision | BCS INSURANCE COMPANY | 114 | $5K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 85 | $71K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 84 | $75K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 84 | $71K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 84 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
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.