| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1502 LONDON ROAD DULUTH, MN 55428 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $13K | $0 | $13K | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 1502 LONDON ROAD DULUTH, MN 55428 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $2K | $0 | $2K | 1.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 1502 LONDON ROAD DULUTH, MN 55428 | SECURITY HEALTH PLAN OF WISCONSIN, INC. | $2K | $0 | $2K | 1.78% |
| MAGGY SUE LOKKEN3 | E6275 COUNTY ROAD V ELEVA, WI 54738 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $8K | $12K | 22.04% |
| RENEE E TIBBITS3 | 1417 1/2 BIRCH STREET EAU CLAIRE, WI 54703 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $176 | $10K | 18.40% |
| VALUE ADDED SOLUTIONS3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $5K | $8K | 14.23% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $769 | $2K | 3.97% |
| CHARLIENE MARIE FREY3 | 105 16TH STREET SE MENOMONIE, WI 54751 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.73% |
| MARY K RADTKE3 | 1118 VALLEY STREAM DRIVE MADISON, WI 53711 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $441 | $12 | $453 | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 531510925 | HUMANA DENTAL INSURANCE COMPANY | $4K | $0 | $4K | 9.86% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 531510925 | HUMANA INSURANCE COMPANY | $614 | $0 | $614 | 9.99% |
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 | 147 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | SECURITY HEALTH PLAN OF WISCONSIN, INC. | 79 | $950K |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 74 | $40K |
| Vision | HUMANA INSURANCE COMPANY | 55 | $6K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 151 | $55K |
| Prescription drug(3 contracts) | SECURITY HEALTH PLAN OF WISCONSIN, INC. | 79 | $950K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 151 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.