| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI INC. | 400 N. EXECUTIVE DRIVE BROOKFIELD, WI 53005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $46K | — | $46K | 9.31% |
| UMR, INC.5 | 2700 MIDWEST DRIVE ONALASKA, WI 54650 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 3.17% |
| UMR, INC. | P.O. BOX 88822 MILWAUKEE, WI 53288 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 0.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI INC. | 400 N. EXECUTIVE DR. STE 300 BROOKFIELD, WI 53005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 11.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | BUTLER SQ. STE 650-C MINNEAPOLIS, MN 55403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 0.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN | 400 N. EXECUTIVE DR. STE 300 BROOKFIELD, WI 530050000 | DELTA DENTAL OF WISCONIN | $5K | — | $5K | 4.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN | 400 N. EXECUTIVE DR. STE 300 BROOKFIELD, WI 530050000 | DELTA DENTAL OF WISCONSIN | $3K | — | $3K | 6.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | 131 S. DEARBORN STREET, STE 600 CHICAGO, IL 606035570 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WISCONIN | 126 | $142K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 134 | $15K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 261 | $142K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 261 | $142K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 261 | $142K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $497K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.