| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHWARZ INSURANCE3 Filed as: SCHWARZ INSURANCE CO | 1420 N RIDGE DRIVE PRAIRIE DU SAC, WI 53578 | UNITY HEALTH PLANS INSURANCE CORPORATION | $34K | $0 | $34K | 0.96% |
| SCHWARZ INSURANCE3 Filed as: SCHWARZ INSURANCE CO | 1420 N RIDGE DRIVE PRAIRIE DU SAC, WI 53578 | DEAN HEALTH PLAN INC | $19K | $0 | $19K | 1.64% |
| SCHWARZ INSURANCE3 Filed as: SCHWARZ INSURANCE CO | 1420 N RIDGE DRIVE PRAIRIE DU SAC, WI 53578 | UNITED HEALTHCARE INSURANCE COMPANY | $73K | $958K | $1.0M | 194.94% |
| SCHWARZ INSURANCE3 Filed as: SCHWARZ INSURANCE CO | PO BOX 40 PRAIRIE DU SAC, WI 53578 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 1.46% |
| BUCHHOLZ PLANNING CORPORATION3 Filed as: BUCHHOLZ PLANNING CORP | 7818 BIG SKY DRIVE STE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $0 | $22K | 8.19% |
| SCHWARZ INSURANCE3 Filed as: SCHWARZ INSURANCE CO | 1420 N RIDGE DRIVE PRAIRIE DU SAC, WI 53578 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.85% |
| BPC CLIENT SERVICES3 Filed as: BPC CLIENT SERVICES LLC | 7818 BIG SKY DRIVE STE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.05% |
| GROUP INSURANCE SVCS INC3 | PO BOX 901 NAPERVILLE, IL 605660901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.96% |
| BUCHHOLZ PLANNING CORPORATION3 Filed as: BUCHHOLZ PLANNING CORP | 7818 BIG SKY DRIVE STE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 10.30% |
| SCHWARZ INSURANCE3 Filed as: SCHWARZ INSURANCE CO | 1420 N RIDGE DRIVE PRAIRIE DU SAC, WI 53578 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.53% |
| BPC CLIENT SERVICES3 Filed as: BPC CLIENT SERVICES LLC | 7818 BIG SKY DRIVE STE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.06% |
| GROUP INSURANCE SVCS INC3 | PO BOX 901 NAPERVILLE, IL 605660901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.18% |
| BUCHHOLZ PLANNING CORPORATION3 Filed as: BUCHHOLZ PLANNING CORP | 7818 BIG SKY DRIVE STE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.31% |
| SCHWARZ INSURANCE3 Filed as: SCHWARZ INSURANCE CO | 1420 N RIDGE DRIVE PRAIRIE DU SAC, WI 53578 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.50% |
| BPC CLIENT SERVICES3 Filed as: BPC CLIENT SERVICES LLC | 7818 BIG SKY DRIVE STE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.06% |
| GROUP INSURANCE SVCS INC3 | PO BOX 901 NAPERVILLE, IL 605660901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.19% |
| SCHWARZ INSURANCE3 | 1420 N RIDGE DRIVE PO BOX 40 PRAIRIE DU SAC, WI 53578 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 22.80% |
| SCHWARZ INSURANCE3 Filed as: SCHWARZ INSURANCE CO | PO BOX 40 PRAIRIE DU SAC, WI 53578 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| BUCHHOLZ PLANNING CORPORATION3 Filed as: BUCHHOLZ PLANNING CORP | 7818 BIG SKY DRIVE STE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $729 | $0 | $729 | 10.40% |
| SCHWARZ INSURANCE3 Filed as: SCHWARZ INSURANCE CO | 1420 N RIDGE DRIVE PRAIRIE DU SAC, WI 53578 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $241 | $0 | $241 | 3.44% |
| BPC CLIENT SERVICES3 Filed as: BPC CLIENT SERVICES LLC | 7818 BIG SKY DRIVE STE 112 MADISON, WI 53719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $146 | $146 | 2.08% |
| GROUP INSURANCE SVCS INC3 | PO BOX 901 NAPERVILLE, IL 605660901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $81 | — | $81 | 1.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | — | $43K |
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 | 1,035 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,048 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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."
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.