| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | N14W23900 STONE RIDGE DR WAUKESHA, WI 531881135 | UNITEDHEALTHCARE INSURANCE | $11K | — | $11K | 1.23% |
| ANSAY & ASSOCIATES LLC3 | 8909 S FRANKLIN DR STE 300 FRANKLIN, WI 531328885 | UNITEDHEALTHCARE INSURANCE | $4K | — | $4K | 0.45% |
| VERITAS BENEFITS PLANNING LLC3 | 9100 W GREENFIELD AVE MILWAUKEE, WI 531881135 | UNITEDHEALTHCARE INSURANCE | $3K | — | $3K | 0.38% |
| VIZANCE, INC.3 Filed as: VIZANCE INC. | 1320 WALNUT RIDGE DR, STE 200 HARTLAND, WI 530298320 | UNITEDHEALTHCARE INSURANCE | $1K | — | $1K | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 531510925 | UNITEDHEALTHCARE INSURANCE | $889 | — | $889 | 0.10% |
| WMC SERVICE CORPORATION3 Filed as: WMC SERVCIE CORPORATION | 501 E WASHINGTON AVE MADISON, WI 537032914 | UNITEDHEALTHCARE INSURANCE | $745 | — | $745 | 0.09% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 250 N PATRICK BLVD, STE 100 BROOKFIELD, WI 530455826 | UNITEDHEALTHCARE INSURANCE | $550 | — | $550 | 0.06% |
| ARMSTRONG INSURANCE AGENCY3 | 10045 N STATE ROAD 27, STE 400 HAYWARD, WI 534843526 | UNITEDHEALTHCARE INSURANCE | $360 | — | $360 | 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 | 103 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE | 178 | $858K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.