| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC | N 14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $9K | — | $9K | 6.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 111 EAST KILBOURN AVE., SUITE 1850 MILWAUKEE, WI 53202 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $0 | — | $0 | 0.00% |
| R & R INSURANCE SERVICES INC3 Filed as: R & R INSURANCE SERVICES INC. | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.61% |
| R & R INSURANCE SERVICES INC3 Filed as: R & R INSURANCE SERVICES INC. | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | ANTHEM LIFE INSURANCE COMPANY | $199 | — | $199 | 0.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMIN | Contract Administrator Service code 13 | — | $12K |
| R &R INSURANCE INC BROKER | Insurance agents and brokers Service code 22 | N14 W23900 STONE RIDGE DR WAUKESHA, WI 531880000 | $933 |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 399 | $3.1M |
| Vision | BLUE CROSS BLUE SHIELD OF WISCONSIN | 399 | $132K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 317 | $155K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 317 | $155K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 317 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.
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.