| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1103 HUNTER DRIVE, SUITE 100 MOUNT PLEASANT, WI 53406 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $18K | $18K | 1.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 111 EAST KILBOURN AVENUE SUITE 1850 MILWAUKEE, WI 53202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $18K | $18K | 1.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 400 NORTH EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WI 53005 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.16% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1103 HUNTER DRIVE, SUITE 100 MOUNT PLEASANT, WI 53406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 93033 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.46% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $464 | $4K | 5.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SERVICES | 500 NORTH AKARD STREET, SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $812 | $812 | 1.02% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1103 HUNTER DRIVE, SUITE 100 MOUNT PLEASANT, WI 53406 | DELTA DENTAL OF WISCONSIN | $6K | $0 | $6K | 8.83% |
| UNKNOWN3 | UNKNOWN NEENAH, WI 54956 | WYSSTA INSURANCE COMPANY INC | $716 | $0 | $716 | 8.04% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 205 | $1.8M |
| Dental | DELTA DENTAL OF WISCONSIN | 96 | $73K |
| Vision | WYSSTA INSURANCE COMPANY INC | 76 | $9K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $80K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $80K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $80K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 205 | $1.8M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 205 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.