| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSMANN-JOHNSON INSURANCE INC3 | 700 REGENT STREET MADISON, WI 53715 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 0.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 300 N LASALLE ST, 17TH FLOOR CHICAGO, IL 60654 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 0.30% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE SERVICES INC | 100 N CORPORATE DRIVE BROOKFIELD, WI 53045 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.21% |
| M. FINANCIAL HOLDINGS INCORPORATED3 Filed as: ASSOCIATED FINANICAL GROUP LLC | 6000 CLEARWATER DRIVE MINNETANKA, MN 55343 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.17% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF RD SCHAUMBURG, IL 60173 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.15% |
| EAST TOWN INSURANCE SERVICES3 Filed as: EAST TOWN INSURANCE SERVICES INC | 11919 W BLUEMOUND ROAD WAUWATOSA, WI 53226 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.09% |
| JOHNSON INSURANCE SERVICES LLC3 | 555 MAIN STREET RACINE, WI 53403 | AETNA LIFE INSURANCE COMPANY | $855 | — | $855 | 0.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 330 S EXECUTIVE DRIVE BROOKFIELD, WI 53005 | AETNA LIFE INSURANCE COMPANY | $766 | — | $766 | 0.05% |
| JOHNSON INSURANCE SERVICES LLC3 | 1103 HUNTER DRIVE MOUNT PLEASANT, WI 53406 | AETNA LIFE INSURANCE COMPANY | $754 | — | $754 | 0.05% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES, LLC | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | AETNA LIFE INSURANCE COMPANY | $611 | — | $611 | 0.04% |
| CYGANIAK PLANNING INC3 Filed as: CYGANIAK PLANNING, INC. | 3515 N 124TH ST BROOKFIELD, WI 53005 | AETNA LIFE INSURANCE COMPANY | $351 | — | $351 | 0.02% |
| DAVID INSURANCE AGENCY INC3 Filed as: DAVID INSURANCE AGENCY | 1300 S GREEN BAY RD RACINE, WI 53406 | AETNA LIFE INSURANCE COMPANY | $38 | — | $38 | 0.00% |
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 | 7,133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 7,133 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,133 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.