| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIZANCE, INC.3 | 1320 WALNUT RIDGE DRIVE SUITE 200 HARTLAND, WI 53029 | CARE-PLUS DENTAL PLANS, INC. | $6K | $0 | $6K | 6.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT ALLIANT LLC | P.O. BOX 11267 MILWAUKEE, WI 53211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.36% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT ALLIANT LLC | P.O. BOX 11267 MILWAUKEE, WI 53211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.13% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT ALLIANT LLC | P.O. BOX 11267 MILWAUKEE, WI 53211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT ALLIANT LLC | P.O. BOX 11267 MILWAUKEE, WI 53211 | WYSSTA INSURANCE COMPANY INC. | $876 | $0 | $876 | 7.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUCENT HEALTH SOLUTIONS LLC EIN 39-1997579 ADMINISTRATOR | Contract Administrator Service code 13 | 5560 W GRANDE MARKET DRIVE APPLETON, WI 54913 | $81K |
| AKESO CARE MANAGEMENT EIN 39-1980029 CLAIMS/ UR ADMIN | Claims processing; Contract Administrator Service code 12 | 29600 NORTH MERIDIAN ST. INDIANAPOLIS, IN 46208 | $8K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 TELEDOC | Contract Administrator Service code 13 | P.O. BOX 360142 PITTSBURGH, PA 15250 | $2K |
| TRILOGY HEALTH SOLUTIONS EIN 46-4424095 PPO CHARGE | Other fees Service code 99 | 18000 WEST SARAH LANE BROOKFIELD, WI 53045 | $1K |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CARE-PLUS DENTAL PLANS, INC. | 149 | $98K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 89 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $19K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $57K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $30K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.