| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1 INTERNATIONAL PLAZA, SUITE 400 PHILADELPHIA, PA 19113 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPOATION | $55K | — | $55K | 3.29% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPOATION | $12K | — | $12K | 0.70% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPOATION | $6K | — | $6K | 0.34% |
| ASSOCIATED FINANCIAL GROUP LLC DBA3 | 100 N CORPORATE DRIVE, SUITE 100 BROOKFIELD, WI 53045 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPOATION | — | $480 | $480 | 0.03% |
| ASSOCIATED FINANCIAL GROUP LLC DBA3 | 100 N CORPORATE DRIVE, SUITE 100 BROOKFIELD, WI 53045 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPOATION | $26 | — | $26 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 100 N CORPORATE DRIVE, SUITE 100 BROOKFIELD, WI 53045 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.15% |
| USI INSURANCE SERVICES LLC3 | 711 EINSENHOWER DRIVE KIMBERLY, WI 54136 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.71% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 7.08% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | HUMANA INSURANCE COMPANY | $361 | — | $361 | 2.36% |
| ASSOCIATED FINANCIAL GROUP LLC DBA3 | 100 N CORPORATE DRIVE, SUITE 100 BROOKFIELD, WI 53045 | HUMANA INSURANCE COMPANY | — | $10 | $10 | 0.07% |
| USI INSURANCE SERVICES LLC3 | 1 INTERNATIONAL PLAZA, SUITE 400 PHILADELPHIA, PA 19113 | HUMANA DENTAL INSURANCE COMPANY | $4K | — | $4K | 35.75% |
| ASSOCIATED FINANCIAL GROUP LLC DBA3 | 100 N CORPORATE DRIVE, SUITE 100 BROOKFIELD, WI 53045 | HUMANA DENTAL INSURANCE COMPANY | — | $1K | $1K | 8.85% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | HUMANA DENTAL INSURANCE COMPANY | $870 | — | $870 | 7.70% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPOATION | 135 | $1.7M |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 143 | $11K |
| Vision | HUMANA INSURANCE COMPANY | 112 | $15K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $98K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $83K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $83K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.