| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INS SER LLC | 1103 HUNTER DRIVE MT PLEASANT, WI 53406 | BLUE CROSS & BLUE SHIELD OF WISCONSIN | $17K | $7K | $24K | 2.08% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 01982 | BLUE CROSS & BLUE SHIELD OF WISCONSIN | $14K | $0 | $14K | 1.25% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC DBA JOH | 1103 HUNTER DR MOUNT PLEASANT, WI 53406 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 9.39% |
| RSC INSURANCE BROKERAGE INC3 | 2040 MAIN ST STE 450 IRVINE, CA 92614 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $15K | $15K | 7.73% |
| JOHNSON INSURANCE SERVICES LLC3 | 1103 HUNTER DR STE 100 MT PLEASANT, WI 53406 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.34% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTEGRITY PKWY CLEVELAND, OH 44143 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | -$7 | -$7 | -0.00% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF WISCONSIN | 116 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $195K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $195K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $195K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $195K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
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.