| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC | 200 W ADAMS ST STE 500 CHICAGO, IL 60606 | SIRIUS AMERICA INSURANCE COMPANY | $29K | — | $29K | 16.20% |
| MARSH & MCLENNAN AGENCY LLC | PO BOX 53151 NEW BERLIN, WI 53151 | SIRIUS AMERICA INSURANCE COMPANY | $20K | — | $20K | 11.05% |
| LERNER CSERNAI & FATH FINANCIAL GRO Filed as: LERNER, CSERNAI AND FAITH | — | SIRIUS AMERICA INSURANCE COMPANY | $16K | — | $16K | 8.84% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 12.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 3701 E EVERGREEN DR STE 100 APPLETON, WI 54913 | DELTA DENTAL OF WISCONSIN | $628 | $5K | $6K | 13.50% |
| MARSH & MCLENNAN AGENCY LLC | PO BOX 510925 NEW BERLIN, WI 53151 | SUPERIOR VISION PLAN | $677 | — | $677 | 9.21% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 74 | $43K |
| Vision | SUPERIOR VISION PLAN | 129 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $71K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $71K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $71K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.