| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| SUPERIOR STATE LIFE AGENCY INC3 Filed as: SUPERIOR STATE LIFE AGENCY, INC. | PO BOX 577 MENOMINEE, MI 49858 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| ENDRES INSURANCE AGENCY3 Filed as: ENDRES INSURANCE AGENCY, INC. | PO BOX 10 CROSS PLAINS, WI 53528 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| HOME OFFICE TPA PAYS COMMISSION3 Filed as: HOME OFFICE DIRECT | ONE HARTFORD PLAZA HARTFORD, CT 06155 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY & ASSOCIATES, LLC | 2901 W BELTLINE HIGHWAY, SUITE 202 MADISON, WI 53713 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| JOHANNESEN-FARRAR INC.3 Filed as: JOHANNESEN-FARRAR, INC. | PO BOX 347 DELAVAN, WI 53115 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| STANLEY MCDONALD AGENCY OF IL INC3 Filed as: STANLEY MCDONALD AGENCY OF IL, INC. | 3167 BERLINE DR LA CROSSE, MN 54601 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 400 N EXECUTIVE DRIVE, SUITE 300 BROOKFIELD, WI 53005 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| ROBERTSON RYAN & ASSOCIATES3 | 330 E KILBOURN AVE, TWO PLAZA E 650 MILWAUKEE, WI 53202 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| MANGOLD INSURANCE INC3 Filed as: MANGOLD INS, INC. | PO BOX 440 BURLINGTON, WI 531050440 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 100 NORTH CORP DR STE 100 BROOKFIELD, WI 53045 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| BENEFIT PLAN ADMIN OF EAU CLAIRE3 | PO BOX 1128 EAU CLAIRE, WI 54702 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 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 | 4,889 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,889 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,889 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,889 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.