| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI INC | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 53005 | SYMETRA LIFE INSURANCE COMPANY | $73K | $39K | $112K | 15.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI INC | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 53005 | SYMETRA LIFE INSURANCE COMPANY | $34K | $5K | $40K | 14.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 530050000 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | $8K | — | $8K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $257K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMINISTRATO | Contract Administrator Service code 13 | — | $26K |
| WILLIS OF WISCONSIN INC. INSURANCE AGENT OR BROKE | Insurance agents and brokers Service code 22 | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 53005 | $20K |
| DISCOVERY BENEFITS EIN 90-0058554 CLAIMS PROCESSING | Claims processing Service code 12 | — | $9K |
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 | 565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 565 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | 305 | $82K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 565 | $266K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 565 | $266K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 565 | $266K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 482 | $705K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 565 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.