| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREITAG-ATKINSON AGENCY, INC.3 Filed as: FREITAG-ATKINSON AGENCY INC | 145 N MAIN ST MONTICELLO, WI 53570 | DELTA DENTAL OF WISCONSIN | $13K | — | $13K | 11.96% |
| FREITAG-ATKINSON AGENCY, INC.3 Filed as: FREITAG-ATKINSON AGENCY,INC | DBA TRI INSURE LLC 145 N MAIN STREET MONTICELLO, WI 53570 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $857 | $6K | 11.57% |
| FREITAG-ATKINSON AGENCY, INC.3 | DBA TRI-INSURE LLC 145 NORTH MAIN STREET MONTICELLO, WI 53570 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $646 | $8K | 17.47% |
| FREITAG-ATKINSON AGENCY, INC.3 Filed as: FREITAG-ATKINSON INC | 145 N MAIN STREET MONTICELLO, WI 53570 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN, INC. | $2K | — | $2K | 11.64% |
| FREITAG-ATKINSON AGENCY, INC.3 | DBA TRI-INSURE LLC 145 N. MAIN STREET MONTICELLO, WI 53570 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $903 | $144 | $1K | 11.60% |
| FREITAG-ATKINSON AGENCY, INC.3 | DBA TRI-INSURE LLC 145 NORTH MAIN STREET MONTICELLO, WI 53570 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $977 | $81 | $1K | 16.24% |
| FREITAG-ATKINSON AGENCY, INC.3 | DBA TRI-INSURE LLC 145 N. MAIN STREET MONTICELLO, WI 53570 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $936 | $94 | $1K | 16.51% |
| FREITAG-ATKINSON AGENCY, INC.3 | DBA TRI-INSURANCE LLC MONTICELLO, WI 53570 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $32 | $32 | 1.53% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 137 | $107K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN, INC. | 96 | $18K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 220 | $53K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 26 | $6K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 131 | $55K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 220 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.