| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC | 1581 EAST RACINE AVENUE WAUKESHA, WI 53186 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $42K | $42K | 2.04% |
| R AND R INS SVCS INC3 | 1581 RACINE AVENUE WAUKESHA, WI 53187 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $882 | $13K | 16.13% |
| R AND R INS SVCS INC3 | 1581 RACINE AVENUE WAUKESHA, WI 53187 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $339 | $4K | 5.51% |
| R AND R INS SVCS INC3 | 1581 RACINE AVENUE WAUKESHA, WI 53187 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $563 | $4K | 6.24% |
| R AND R INS SVCS INC3 | 1581 RACINE AVENUE WAUKESHA, WI 53187 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $511 | $3K | 7.56% |
| R AND R INS SVCS INC3 | 1581 RACINE AVENUE WAUKESHA, WI 53187 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $442 | $6K | 16.26% |
| R AND R INS SVCS INC3 | 1581 RACINE AVENUE WAUKESHA, WI 53187 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $101 | $1K | 5.44% |
| R AND R INS SVCS INC3 Filed as: R & R INS SVCS INC | 1581 RACINE AVENUE WAUKESHA, WA 53187 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $136 | $1K | 16.90% |
| R AND R INS SVCS INC3 Filed as: R & R INS SVCS INC | 1581 RACINE AVENUE WAUKESHA, WI 53187 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $798 | $67 | $865 | 15.61% |
| R AND R INS SVCS INC3 | 1581 RACINE AVENUE WAUKESHA, WI 53187 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $466 | $36 | $502 | 16.17% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 314 | $2.0M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 79 | $89K |
| Vision | EYEMED VISION CARE | 198 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 164 | $44K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $57K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $78K |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 164 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.