| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | JAN STAGE 200 N ADAMS STREET GREEN BAY, WI 54301 | HEALTHPARTNERS, INC. | — | $80 | $80 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH RD., STE. 100 BLOOMFIELD, MI 48302 | HEALTHPARTNERS, INC. | $0 | $0 | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH RD., STE 100 BLOOMFIELD HILLS, MI 48302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $524 | — | $524 | 0.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH RD., STE. 100 BLOOMFIELD, MI 48302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.81% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 ATTN ACCOUNTS RECEIVABLE VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $258 | $0 | $258 | 1.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN, INC. | $1K | — | $1K | 8.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN, INC. | $128 | — | $128 | 0.79% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC. | 711 EISENHOWER DR. KIMBERLY, WI 54136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH RD., STE. 100 BLOOMFIELD, MI 48302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC. | 711 EISENHOWER DR. KIMBERLY, WI 54136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH RD., STE. 100 BLOOMFIELD HILLS, MI 48302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS, INC. | 325 | $2.4M |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN, INC. | 105 | $16K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $26K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 137 | $63K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 41 | $10K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.