| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNS INSURANCE AGENCY LLC3 Filed as: BURNS INSURANCE AGENCY INC | 500 S CENTRAL AVENUE MARSHFIELD, WI 54449 | SECURITY HEALTH PLAN OF WISCONSIN | $5K | $0 | $5K | 1.35% |
| BLUE SKY BENEFIT SOLUTIONS INC3 | 1500 39TH SOUTH SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 5.63% |
| BURNS INSURANCE AGENCY LLC3 | 500 S CENTRAL AVENUE MARSHFIELD, WI 54449 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $133 | $3K | 5.19% |
| LAWERENCE RAY TERRY3 | W4988 MC LAREN RD LACROSSE, WI 54601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $298 | $3K | 4.55% |
| BRENDA LEE CANNING3 | 4227 THRU STREET ST CLOUD, MN 56303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $474 | $3K | 4.27% |
| TRACY LEE BAILEY3 | 29717 131ST STREET PRINCETON, MN 55371 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $18 | $32 | 0.05% |
| INSURANCE SERVICE CENTER INC3 | P.O. BOX 787 MARSHFIELD, WI 54449 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.81% |
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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SECURITY HEALTH PLAN OF WISCONSIN | 69 | $382K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $16K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 111 | $67K |
| Prescription drug | SECURITY HEALTH PLAN OF WISCONSIN | 69 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.