| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI, INC. | 2323 N MAYFAIR ROAD, STE 600 MILWAUKEE, WI 53226 | SYMETRA LIFE INSURANCE COMPANY | $20K | $3K | $23K | 11.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI INC. | 400 N. EXECUTIVE DRIVE BROOKFIELD, WI 53005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $3K | $11K | 8.80% |
| UMR, INC.3 | 2700 MIDWEST DRIVE ONALASKA, WI 54650 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 2.97% |
| UMR, INC.3 Filed as: UMR | 5151 PFEIFFER ROAD, ML 400 CINCINNATI, OH 45242 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 2.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN | 400 N. EXECUTIVE DR. STE 300 BROOKFIELD, WI 530050000 | DELTA DENTAL OF WISCONIN | $4K | — | $4K | 4.34% |
| 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 | $4K | $1K | $6K | 8.04% |
| 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 | 6.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | 131 S. DEARBORN STREET, STE 600 CHICAGO, IL 606035570 | VISION SERVICE PLAN | $2K | — | $2K | 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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WISCONIN | 131 | $141K |
| Vision | VISION SERVICE PLAN | 144 | $23K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 254 | $69K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 254 | $69K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 254 | $69K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 219 | $325K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 254 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.