| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR KIMBERLY, WI 541360000 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 5.92% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 8000 NORMAN CENTER DR STE 1000 MINNEAPOLIS, MN 554371177 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 9.87% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | PRINCIPAL LIFE INSURANCE COMPANY | $700 | — | $700 | 0.84% |
| USI INSURANCE SERVICES LLC3 | 100 N CORPORATE DRIVE SUITE 100 BROOKFIELD, WI 53045 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED STATES FIRE EIN 13-5459190 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $64K |
| ASSOCIATED BENEFITS AND RISK CON EIN 13-5459190 BROKER | Other commissions Service code 55 | 100 N CORPORATE DRIVE STE 100 BROOKFIELD, WI 53045 | $30K |
| AUXIANT BROKER | Other commissions Service code 55 | 2450 RIMROCK RD MADISON, WI 53713 | $15K |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 141 | $84K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 200 | $102K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 200 | $102K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 200 | $102K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 184 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.