| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH P CALARCO3 Filed as: JOSEPH R JURGENSMIER | 238058 N TROY ST WAUSAU, WI 54403 | TRANSAMERICA LIFE INSURANCE COMPANY | $23K | — | $23K | 15.03% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP, GA, LLC | 510 ALDERSON ST SCHOFIELD, WI 54476 | TRANSAMERICA LIFE INSURANCE COMPANY | $15K | — | $15K | 10.02% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA C WRIGHT | 421 RUDER STREET WAUSAU, WI 54403 | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | — | $13K | 8.71% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA, LLC | 510 ALDERSON ST SCHOFIELD, WI 54476 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.53% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WARE AND ASSOCIATES INC | 3808 W SPRINGFIELD AVE STE D CHAMPAIGN, IL 61822 | TRANSAMERICA LIFE INSURANCE COMPANY | $96 | — | $96 | 0.06% |
| MARQUARDT INSURANCE GROUP INC3 | 510 ALDERSON ST SCHOFIELD, WI 54476 | TRANSAMERICA LIFE INSURANCE COMPANY | $45 | — | $45 | 0.03% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC | PO BOX 28 DUBUQUE, IA 520040028 | VISION SERVICE PLAN | $998 | — | $998 | 5.36% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $247 | $1K | 13.09% |
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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 173 | $19K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 328 | $11K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 328 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.