| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | ANTHEM LIFE INSURANCE COMPANY | $9K | — | $9K | 14.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 510925 NEW BERLIN, WI 53151 | ANTHEM LIFE INSURANCE COMPANY | $9K | — | $9K | 14.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2725 S. MOORLAND RD NEW BERLIN, WI 53151 | AMERITAS | $2K | — | $2K | 4.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PARK 80 WEST PLAZA TWO 250 PEHLE AVE. SUITE 400 SADDLEBROOK, NJ 07663 | AMERITAS | — | $928 | $928 | 1.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 2725 S MOORLAND ROD NEW BERLIN, WA 53151 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN | $987 | — | $987 | 9.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AUXIANT EIN 39-1568443 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $67K |
| MARSH & MCLENNAN BROKER | Insurance agents and brokers Service code 22 | 3701 E EVERGREEN DRIVE APPLETON, WI 54913 | $32K |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 81 | $48K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN | 166 | $10K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 137 | $60K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 137 | $60K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 137 | $60K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 95 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.