| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $59K | $60K | 4.58% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 8.94% |
| HOLLY A MARITA3 | 7107 33RD AVE KENOSHA, WI 53142 | CONTINENTAL AMERICAN INSURANCE COMPANY | $300 | — | $300 | 2.70% |
| JEFFREY A GENTZ3 Filed as: JEFFREY GENTZ | 8918 29TH CT KENOSHA, WI 53143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $180 | — | $180 | 1.62% |
| CHRISTOPHER BALKE3 | 3220 WOOD ROAD UNIT 4 MT PLEASANT, WI 53406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $156 | — | $156 | 1.40% |
| CHRISTINE LOGSLETT3 Filed as: CHRISTINE M LOGSLETT | 300 N CORPORATE DRIVE SUITE 300 BROOKFIELD, WI 53045 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126 | — | $126 | 1.13% |
| KERRIE L STERKEN3 | 55 S PARK STREET ZEELAND, MI 49464 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.67% |
| JASON SCZEPANIAK3 Filed as: JASON P SCZEPANIAK | 4001 FELLAND RD SUITE 106 MADISON, WI 53718 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.63% |
| ROSS C NELSON3 | 1403 WIMBLETON WAY WAUNAKEE, WI 53597 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.13% |
| CHRISTOPHER P DOOLEY3 | 2903 NORTHWINDS DRIVE EAU CLAIRE, WI 54701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.11% |
| JEREMY KOOI3 | 304 W PARKVIEW ST COTTAGE GROVE, WI 53527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| UMR, INC.5 Filed as: UNITED HEALTHCARE BENEFIT SERVCIES | 10701 WEST RESEARCH DRIVE WAUWATOSA, WI 53226 | UNITED HEALTHCARE BENEFIT SERVICES | — | $2K | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | 1233 NORTH MAYFAIR ROAD SUITE 204 MILWAUKEE, WI 53226 | $7K |
| ASSOCIATED FINANCIAL GROUP LLC BROKER | Insurance agents and brokers Service code 22 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | $4K |
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 | 266 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 266 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 266 | $1.3M |
| Life insurance | STANDARD INSURANCE COMPANY | 178 | $59K |
| Short-term disability | STANDARD INSURANCE COMPANY | 178 | $59K |
| Long-term disability | STANDARD INSURANCE COMPANY | 178 | $59K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 42 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.