| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | DELTA DENTAL OF WISCONSIN | $7K | $0 | $7K | 5.49% |
| PATRICK THOMAS FLANAGAN3 | 3048 SOUTH WENTWORTH AVENUE MILWAUKEE, WI 53207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $498 | $0 | $498 | 5.38% |
| DELORES A MENDELS3 Filed as: DELORES A. MENDELS | W6325 GOOSE CREEK CIRCLE GREENVILLE, WI 54942 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $321 | $3 | $324 | 3.50% |
| GARSON FINANCIAL SERVICES S C3 Filed as: GARSON FINANCIAL SERVICES SC | 904 EAST PEARSON STREET MILWAUKEE, WI 53202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $205 | $15 | $220 | 2.38% |
| STERLING WEALTH MANAGEMENT LLC3 | W175 N11163 STONEWOOD DRIVE GERMANTOWN, WI 53022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $67 | $12 | $79 | 0.85% |
| DANIEL R DEDRICK3 Filed as: DANIEL R. DEDRICK | 1899 CYPRESS DRIVE GRAFTON, WI 53024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.06% |
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 | 222 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 523 | $2.8M |
| Dental | DELTA DENTAL OF WISCONSIN | 205 | $123K |
| Vision | VISION SERVICE PLAN | 180 | $14K |
| Prescription drug(2 contracts, 2 carriers) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 523 | $2.8M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 30 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.