| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHELLY VANYO INVESTMENTS INC3 | N6926 495TH ST MENOMONIE, WI 555555475 | AFLAC | $12K | $453 | $12K | 9.92% |
| MICHAEL BECK3 Filed as: MICHAEL J BECK | 645 8TH ST N HUDSON, WI 54016 | AFLAC | $4K | $99 | $4K | 3.25% |
| MICHAEL A PEDERSON3 | 101 NORTH FARWELL ST STE 203 MB203 ST EAU CLAIRE, WI 54703 | AFLAC | $1K | $0 | $1K | 0.83% |
| MICHAEL A PEDERSON3 | 101 N FARWELL ST STE 203MV203 EAU CLAIRE, WI 54703 | AFLAC | $712 | $0 | $712 | 0.58% |
| PATRICIA L OBERMUELLER3 | 1421 BROADWAY ST N STE 108 MENOMONIE, WI 54751 | AFLAC | $482 | $42 | $524 | 0.43% |
| SAMANTHA J BREUER3 | E4355 PINEWOOD CIR ELEVA, WI 54738 | AFLAC | $263 | $91 | $354 | 0.29% |
| CHRISTOPHER P DOOLEY3 | 2903 NORTHWINDS DR EAU CLAIRE, WI 54701 | AFLAC | $308 | $0 | $308 | 0.25% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $96 | $0 | $96 | 0.08% |
| TAD HOWARD ASP3 | 10890 N SMITH RD HAYWARD, WI 54843 | AFLAC | $56 | $0 | $56 | 0.05% |
| ADAM THOMAS GARDNER3 | 101 N FARWELL ST STE 203 EAU CLAIRE, WI 54703 | AFLAC | $44 | $0 | $44 | 0.04% |
| WILLIAM F MURRAY III3 | 1298 SAINT PATRICK WAY SUN PRAIRIE, WI 53590 | AFLAC | $24 | $0 | $24 | 0.02% |
| JEREMY KOOI3 | 270 SHAKERAG ST MINERAL POINT, WI 53565 | AFLAC | $14 | $0 | $14 | 0.01% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $13 | $0 | $13 | 0.01% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $11 | $0 | $11 | 0.01% |
| CHRISTOPHER J ZELLNER3 | 918 ALDORA LN WAUNAKEE, WI 53597 | AFLAC | $8 | $0 | $8 | 0.01% |
| JOHN P DEERING3 | 518 HUDSON ST AUGUSTA, WI 54722 | AFLAC | $5 | $0 | $5 | 0.00% |
| MICHAEL A PEDERSON3 | 101 N FARWELL ST STE 203MB203 EAU CLAIRE, WI 54703 | AFLAC | $5 | $0 | $5 | 0.00% |
| KNUTE NELSON3 | 920 AUTUMN SAGE WAY PFLUGERVILLE, TX 78660 | AFLAC | $3 | $0 | $3 | 0.00% |
| CHRISTINE LOGSLETT3 | 8318 ANNA AVE WIND LAKE, WI 53185 | AFLAC | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILSS DR MINNEAPOLIS, MN 55416 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILSS DR MINNEAPOLIS, MN 55416 | VISION SERVICE PLAN | $1K | $0 | $1K | 10.01% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 167 | $1.6M |
| Vision | VISION SERVICE PLAN | 101 | $13K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $42K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $42K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $42K |
| Other(2 contracts, 2 carriers) | AFLAC | 174 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.