| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC. | N14 W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 5.35% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR. KIMBERLY, WI 54136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.37% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC. | N14 W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.63% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.95% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.47% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC. | N14 W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.35% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR. KIMBERLY, WI 54136 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 8.17% |
| R & R INSURANCE SERVICES INC3 Filed as: R & R INSURANCE SERVICES INC. | N14W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | UNITEDHEALTHCARE INSURANCE COMPANY | $460 | — | $460 | 2.70% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST. CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $334 | $334 | 1.96% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $988 | — | $988 | 6.31% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $581 | $581 | 3.71% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC. | N14 W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $578 | — | $578 | 3.69% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR. KIMBERLY, WI 54136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.39% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC. | N14 W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $670 | — | $670 | 5.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $441 | $441 | 3.69% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 156 | $105K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 329 | $17K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $42K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $50K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $28K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.