| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAGGY SUE LOKKEN3 | 18649 53RD AVENUE CHIPPEWA FALLS, WI 54729 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 8.59% |
| BARBARA KUHN3 | W5378 BIENECK ROAD NEILLSVILLE, WI 54456 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $812 | $2K | 5.17% |
| VALUE ADDED SOLUTIONS3 | 1161 HERITAGE COURT SUN PRAIRIE, WI 53590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $583 | $999 | $2K | 3.34% |
| BRADY JAMES HURT AND OTHER AGENTS3 | 916 19TH AVENUE BLOOMER, WI 54724 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $174 | $1K | 3.12% |
| ERICK TAVAREZ3 | 212 SPRINGVIEW DRIVE MARSHALL, WI 53559 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $410 | $501 | $911 | 1.92% |
| GERALD A GREENEN3 | 472 ROUTE 47 SUITE F102 SUGAR GROVE, IL 60554 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $563 | $255 | $818 | 1.73% |
| J ESSER INSURANCE SERVICES LLC3 Filed as: J ESSER INSURANCE SERVICES, LLC. | 11650 COUNTY ROAD T MARSHFIELD, WI 54449 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $504 | $2 | $506 | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY, LLC. | PO BOX 510925 NEW BERLIN, WI 53151 | HUMANA DENTAL INSURANCE COMPANY | $4K | $522 | $4K | 11.16% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA DENTAL INSURANCE COMPANY | 65 | $37K |
| Vision | HUMANA DENTAL INSURANCE COMPANY | 65 | $37K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 111 | $47K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 111 | $47K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 111 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.