| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIZANCE, INC.3 Filed as: VIZANCE INC | 1320 WALNUT RIDGE DR STE 200 HARTLAND, WI 53029 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | — | $30K | 0.67% |
| WMC SERVICE CORPORATION3 | 501 E WASHINGTON AVE MADISON, WI 537032914 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 0.64% |
| BENEFITS INC3 | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 0.45% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | 800 MAIN ST DUBUQUE, IA 520016822 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF MN | 1120 SOUTH AVE NORTH MANKATO, MN 560033507 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.15% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST, STE 700 MINNEAPOLIS, MN 554022105 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.12% |
| CYGANIAK PLANNING INC3 | 3515 N 124TH ST BROOKFIELD, WI 530052409 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.08% |
| MIDWEST INSURANCE BROKERAGE LTD3 | 5733 W PACKARD ST APPLETON, WI 54913 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.07% |
| R & R INSURANCE SERVICES INC3 | N14W23900 STONE RIDGE DR WAUKESHA, WI 531881135 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 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 | 393 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 714 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 714 | — |
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."
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.