| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | PO BOX 510187 NEW BERLIN, WI 53151 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 6.92% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HNI RISK SERVICES | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | METROPOLITAN LIFE INSURANCE COMPANY | $724 | — | $724 | 0.43% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INSURANCE | AGENCY PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $60 | $60 | 0.04% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | PO BOX 510187 NEW BERLIN, WI 53151 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORATE | $25K | $896 | $26K | 85.79% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA CRISSIE INS GROUP | 1700 HIGGINS RD STE 320 DES PLAINES, IL 60018 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORATE | $2K | — | $2K | 7.15% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HNI RISK SERVICES | 16806 W CLEVELAND AVE NEW BERLIN, WI 53151 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORATE | $2K | — | $2K | 7.05% |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORATE | 112 | $30K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 453 | $167K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 453 | $167K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 453 | $167K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 453 | $167K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 453 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.