| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PREUSS | ONE CORPORATE DRIVE, SUITE 600 WASAU, WI 54401 | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | $137K | — | $137K | 1.50% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 537131424 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $23K | — | $23K | 4.63% |
| LESTER AND SMART, INC.3 | 210 NINTH STREET SOUTH WISCONSIN RAPIDS, WI 544950009 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | -$3K | — | -$3K | -0.51% |
| BREIER GROUP CONCEPTS, INC3 Filed as: BREIER GROUP CONCEPTS, INC. | 34 GRAMERCY PARK EAST NEW YORK, NY 10003 | OXFORD HEALTH INSURANCE, INC. | $6K | — | $6K | 2.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | OXFORD HEALTH INSURANCE, INC. | $1K | — | $1K | 0.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 3.87% |
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 | 831 | 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) | 831 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 1,632 | $9.4M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 836 | $598K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 836 | $598K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 836 | $598K |
| Prescription drug(2 contracts, 2 carriers) | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 1,632 | $9.4M |
| Other(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 902 | $615K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,632 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.