| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1103 HUNTER DR, SUITE 100 RACINE, WI 53406 | COMPANION LIFE | $10K | — | $10K | 7.02% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INS. GROUP LLC | 4004 OAKWOOD HILLS PKWY EAU CLAIRE, WI 54701 | COMPANION LIFE | $10K | — | $10K | 6.97% |
| J A COUNTER AND ASSOCIATES INC3 Filed as: JA COUNTER & ASSOCIATES | 1477 S KNOWLES AVE STE 200 NEW RICHMOND, WI 54017 | COMPANION LIFE | $8K | — | $8K | 5.53% |
| JOHNSON INSURANCE SERVICES LLC3 | 1103 HUNTER DRIVE MOUNT PLEASANT, WI 53406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 32.39% |
| SCS BENEFIT SERVICES LLC3 | 4004 OAKWOOD HILLS PKWY SUITE 100 EAU CLAIRE, WI 54701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 17.67% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INS GRP LLC | 1431 OKEEFE AVE KRONENWETTER, WI 54455 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.88% |
| J A COUNTER AND ASSOCIATES INC3 Filed as: JA COUNTER & ASSOC INC | 1477 S KNOWLES AVE STE 200 PO BOX 387 NEW RICHMOND, WI 54017 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $166 | — | $166 | 0.75% |
| BRYAN KARL JOHNSON3 | 8530 EAGLE POINT BLVD STE 200 LAKE ELMO, MN 55042 | NORTHWESTERN MUTUAL | $1K | $337 | $2K | 18.77% |
| COLUMNS RESOURCE GROUP3 Filed as: COLUMNS RESOURCE GRP | 225 S 6TH ST STE 4500 MINNEAPOLIS, MN 55402 | NORTHWESTERN MUTUAL | $268 | $64 | $332 | 3.72% |
| JOHNSON INSURANCE SERVICES LLC3 | 1103 HUNTER DRIVE MOUNT PLEASANT, WI 53406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $615 | — | $615 | 11.99% |
| SCS BENEFITS SERVICES LLC3 | 4004 OAKWOOD HILLS PKWY SUITE 100 EAU CLAIRE, WI 54701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $410 | — | $410 | 8.00% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMPANION LIFE | 173 | $146K |
| Life insurance | COMPANION LIFE | 173 | $146K |
| Short-term disability | COMPANION LIFE | 173 | $146K |
| Long-term disability | NORTHWESTERN MUTUAL | 13 | $9K |
| Other(3 contracts, 3 carriers) | COMPANION LIFE | 248 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.