| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRAD JAKEL3 | 114 EAST MAIN STREET SUITE 213 WAUNAKEE, WI 53597 | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | $24K | — | $24K | 1.93% |
| INSURANCE & INVESTMENT PROFESSIONAL3 | 114 EAST MAIN STREET SUITE 213 WAUNAKEE, WI 53597 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $8K | $24K | 13.15% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY WEST LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.64% |
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 | 158 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | 119 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $180K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $180K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $180K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $180K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.