| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 1103 HUNTER DRIVE STE 100 MOUNT PLEASANT, WI 53406 | WISCONSIN COLLABORATIVE INSURANCE COMPANY | $27K | — | $27K | 3.18% |
| JOHNSON INSURANCE SERVICES LLC3 | 1103 HUNTER DR STE 100 MT PLEASANT, WI 534064040 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $2K | $10K | 11.75% |
| MARSHBERRY CONNECT PLATFORM LLC3 | 28601 CHAGRIN BLVD STE 400 WOODMERE, OH 441224556 | PRINCIPAL LIFE INSURANCE COMPANY | — | $390 | $390 | 0.46% |
| JOHNSON INSURANCE SERVICES LLC3 | 1103 HUNTER DRIVE STE 100 MOUNT PLEASANT, WI 53406 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $326 | — | $326 | 1.03% |
| JOHNSON INSURANCE SERVICES LLC3 | 1103 HUNTER DRIVE STE 100 MOUNT PLEASANT, WI 53406 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $541 | — | $541 | 3.76% |
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 | 171 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | BLUE CROSS BLUE SHIELD OF WISCONSIN | 87 | $46K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $85K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $85K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $85K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
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.