| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIERL INSURANCE INC3 | 325 TROWBRIDGE DR FOND DU LAC, WI 54937 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $13K | — | $13K | 1.64% |
| HIERL INSURANCE INC3 | 258 SOUTH MAIN STREET FOND DU LAC, WI 54935 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $7K | — | $7K | 0.84% |
| VANDEHEY FINANCIAL SERVICES3 | 311 E ANN ST SUITE 2 KAUKAUNA, WI 54130 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 7.06% |
| VAN DE HEY FINANCIAL SERVICE3 Filed as: VAN DE HEY FINANCIAL SERV | 311 E ANN ST SUITE 2 KAUKAUNA, WI 54130 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 11.26% |
| DAVID J VANDEHEY3 Filed as: DAVID JOHN VANDEHEY, CLU, LUTCF | 311 E ANN STE STE 2 KAUKAUNA, WI 54130 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.29% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | PRINCIPAL LIFE INSURANCE COMPANY | $823 | — | $823 | 3.54% |
| VAN DE HEY FINANCIAL SERVICE3 | 311 EAST ANN ST. SUITE 2 KAUKAUNA, WI 54130 | CARE-PLUS DENTAL PLANS, INC. | $715 | — | $715 | 6.00% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 218 | $790K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 113 | $133K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 113 | $121K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 113 | $121K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 39 | $23K |
| Long-term disability | THE PAUL REVERE LIFE INSURANCE COMPANY | 103 | $29K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 113 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.