| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 541362142 | RELIASTAR LIFE INSURANCE COMPANY | $64K | — | $64K | 7.40% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DR STE 400 VALHALLA, NY 105951362 | RELIASTAR LIFE INSURANCE COMPANY | $32K | — | $32K | 3.66% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC | 711 EISENHOWER DRIVE KIMBERLY, WI 541362142 | RELIASTAR LIFE INSURANCE COMPANY | $5K | — | $5K | 0.53% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $8K | $29K | 6.57% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNITED HEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $3K | $529 | $3K | 12.14% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | HUMANADENTAL INSURANCE COMPANY | $559 | $98 | $657 | 4.73% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 40386, 798 BERRY RD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $448 | $6 | $454 | 7.56% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $328 | $2 | $330 | 5.50% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DR BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $120 | — | $120 | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 251 PROGRESS WAY STE 300 WAUNAKEE, WI 53597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.17% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DB WORKSITE BENEFITS | 22 INVERNESS CENTER PWKY STE 100 BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.05% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DB WORKSITE BENEFITS | 22 INVERNESS CENTER PWKY STE 100 BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $120 | — | $120 | 3.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 251 PROGRESS WAY STE 300 WAUNAKEE, WI 53597 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 1.94% |
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 | 1,571 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANADENTAL INSURANCE COMPANY | 277 | $14K |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,913 | $152K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,140 | $872K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 3,140 | $869K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,885 | $439K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 273 | $185K |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,140 | $947K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,140 | — |
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.
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.