| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARBARA KUHN3 | W5378 BIENECK RD NEILLSVILLE, WI 54456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $26K | $38K | 32.99% |
| MARSHFIELD INSURANCE AGENCY INC3 | 208 W 5TH ST MARSHFIELD, WI 54449 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $5K | $23K | 19.80% |
| ERIN KLINK3 | N3186 JEFFERSON RD RUBICON, WI 53078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $15K | $22K | 18.71% |
| VALUE ADDED SOLUTIONS3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $15K | $20K | 17.08% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 3.51% |
| MCNEELY FINANCIAL SERVICES INC3 | 702 EAST WILLOW DRIVE SPENCER, WI 54479 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 0.10% |
| PAMELA JEAN DESHAW-BRACKETT3 | 6518 WEST HUNTER LAKE RD DULUTH, MN 55803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| GARSON FINANCIAL SERVICES S C3 | 929 N ASTOR MILWAUKEE, WI 53202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MILWAUKEE BROKERAGE ASSOCIATES3 | 15065 CASCADE DRIVE ELM GROVE, WI 531221506 | PRINCIPAL LIFE INSURANCE COMPANY | $152 | — | $152 | 9.04% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 103 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.