| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $67K | $69K | 4.59% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 8.73% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.83% |
| HOLLY A MARITA3 | 7107 33RD AVE KENOSHA, WI 53142 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $212 | $212 | 3.22% |
| JEFFREY A GENTZ3 Filed as: JEFFREY GENTZ | 8918 29TH CT KENOSHA, WI 53143 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $130 | $130 | 1.98% |
| CHRISTOPHER BALKE3 | 3220 WOOD RD UNIT 4 MT PLEASANT, WI 53406 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $107 | $107 | 1.63% |
| CHRISTINE LOGSLETT3 Filed as: CHRISTINE M LOGSLETT | 300 N CORPORATE DRIVE STE 300 BROOKFIELD, WI 53045 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $87 | $87 | 1.32% |
| KARRIE L STERKEN3 | 55 S PARK STREET ZEELAND, MI 49464 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $53 | $53 | 0.81% |
| JASON SCZEPANIAK3 Filed as: JASON P SCZEPANIAK | 4001 FELLAND RD SUITE 106 MADISON, WI 53718 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $51 | $51 | 0.78% |
| ROSS C NELSON3 | 1403 WIMBLETON WAY WAUNAKEE, WI 53597 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $9 | $9 | 0.14% |
| CHRISTOPHER P DOOLEY3 | 2903 NORTHWINDS DRIVE EAU CLAIRE, WI 54701 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $9 | $9 | 0.14% |
| JEREMY KOOI3 | 304 W PARKVIEW ST COTTAGE GROVE, WI 53527 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $1 | $1 | 0.02% |
| ADAM THOMAS GARDNER3 Filed as: ADAM T GARDNER | 101 N. FARWELL STREET SUITE 203 EAU CLAIRE, WI 54703 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $1 | $1 | 0.02% |
| CHRISTOPHER J ZELLNER3 | 4001 FELLAND ROAD SUITE 106 MADISON, WI 53718 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $1 | $1 | 0.02% |
| UMR, INC.5 Filed as: UNITED HEALTHCARE BENEFIT SERVICES | 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 WAUWATOSA, WI 53226 | $8K |
| ASSOCIATED BENEFITS & RISK CONSULTI 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 | 214 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 304 | $1.5M |
| Life insurance | STANDARD INSURANCE COMPANY | 202 | $65K |
| Short-term disability | STANDARD INSURANCE COMPANY | 202 | $65K |
| Long-term disability | STANDARD INSURANCE COMPANY | 202 | $65K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 42 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.