| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $6K | $0 | $6K | 2.27% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | DELTA DENTAL OF WISCONSIN | $9K | $0 | $9K | 5.35% |
| DELORES A MENDELS3 Filed as: DELORES A. MENDELS | W6325 GOOSE CREEK CIRCLE GREENVILLE, WI 54942 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $27 | $1K | 9.99% |
| PATRICK THOMAS FLANAGAN3 | 3048 SOUTH WENTWORTH AVENUE MILWAUKEE, WI 53207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $452 | $0 | $452 | 4.10% |
| GARSON FINANCIAL SERVICES S C3 Filed as: GARSON FINANCIAL SERVICES SC | 904 EAST PEARSON STREET MILWAUKEE, WI 53202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $255 | $1 | $256 | 2.32% |
| STERLING WEALTH MANAGEMENT LLC3 | W175 N1163 STONEWOOD DRIVE GERMANTOWN, WI 53022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $102 | $0 | $102 | 0.92% |
| GRANT P LUBIN3 Filed as: GRANT P. LUBIN | 3822 NORTH 102ND STREET WAUWATOSA, WI 53222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.12% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 509 | $3.6M |
| Dental | DELTA DENTAL OF WISCONSIN | 204 | $162K |
| Vision | VISION SERVICE PLAN | 185 | $17K |
| Prescription drug(2 contracts, 2 carriers) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 509 | $3.6M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 33 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.