| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN | P.O. BOX 1650 MILWAUKEE, WI 53201 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.71% |
| TGG SOLUTIONS3 | 583 3 MILE ROAD NW SUITE 101 GRAND RAPIDS, MI 49514 | BLUE CARE NETWORK OF MICHIGAN | $658 | — | $658 | 0.16% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI MILLER BENEFITS | 8205 WEST 20TH STREET GREEEU, CO 80634 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $4K | $11K | 5.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 53005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $661 | $8K | 3.41% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 122 EAST COLLEGE AVE SUITE 201 APPLETON, WI 54911 | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | $4K | — | $4K | 3.48% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: EMPLOYEE BENEFIT RISK MANAGEMENT | 823 COMMERCE DR. ATE 350 OAKBROOK, IL 60523 | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | — | $773 | $773 | 0.69% |
| TRACY GAHLMAN3 | WILLIS OF WISCONSIN, INC 2323 N MAYFAIR RD, STE 600 MILWAUKEE, WI 53226 | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | $4K | — | $4K | 4.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 53005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $722 | — | $722 | 10.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC | 122 E COLLEGE AVE STE 201 APPLETON, WI 54911 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $632 | — | $632 | 11.86% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.11% |
| WILLIAM F CLANCY3 | 108 PALAFOX PL PENSACOLA, FL 32502 | NORTHWESTERN MUTUAL | $166 | $38 | $204 | 5.18% |
| WILLIAM JOHN COLLINS3 | 100 E WISCONSIN AVE STE 2300 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $83 | $21 | $104 | 2.64% |
| BRIAN P DIX3 | 100 E WISCONSIN AVE STE 2300 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $50 | $13 | $63 | 1.60% |
| KOCH INSURANCE INC3 Filed as: KOCH FNCL GRP LLC | 245 RIVERSIDE AVE STE 100 JACKSONVILLE, FL 32202 | NORTHWESTERN MUTUAL | $37 | $3 | $40 | 1.02% |
| JAMES PAPAGEORGE3 Filed as: JAMES ALAN SCHWERTFEGER | 100 E WISCONSIN AVE STE 2300 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $31 | $7 | $38 | 0.97% |
| THE HOLTER AGENCY INC3 | 100 E WISCONSIN AVE STE 2300 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $34 | $3 | $37 | 0.94% |
| CHRISTOPHER DAVID CARLSON3 | 500 W SILVER SPRING DR STE K-290 GLENDALE, WI 53217 | NORTHWESTERN MUTUAL | $6 | $1 | $7 | 0.18% |
| CHRISTOPHER DAVID CARLSON3 | 500 W SILVER SPRING DR STE K-290 GLENDALE, WI 53217 | NORTHWESTERN MUTUAL | $6 | $1 | $7 | 0.18% |
| R SCOTT SCHWERTFEGER3 | 500 W SILVER SPRING DR STE K-290 GLENDALE, WI 53217 | NORTHWESTERN MUTUAL | $2 | $1 | $3 | 0.08% |
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 | 493 | 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) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 43 | $598K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 493 | $226K |
| Short-term disability(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 28 | $16K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 493 | $220K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 43 | $404K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 493 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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.