| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH P CALARCO3 Filed as: JOSEPH R JURGENSMIER | 510 ALDERSON ST SCHOFIELD, WI 54476 | ASSURITY LIFE INSURANCE COMPANY | $36K | — | $36K | 25.68% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA LLC | 510 ALDERSON ST SCHOFIELD, WI 54476 | ASSURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 5.64% |
| ADVANTAGE GROUP GA LLC3 | 510 ALDERSON ST SCHOFIELD, WI 54476 | ASSURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 3.89% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INC. | PO BOX 28 DUBUQUE, IA 52001 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $484 | $5K | 15.25% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC | PO BOX 28 DUBUQUE, IA 520040028 | VISION SERVICE PLAN | $1K | — | $1K | 4.83% |
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 | 277 | 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) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 244 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 414 | $32K |
| Short-term disability | ASSURITY LIFE INSURANCE COMPANY | 427 | $142K |
| Other(3 contracts, 3 carriers) | ASSURITY LIFE INSURANCE COMPANY | 597 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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.