| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 245 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | $0 | $24K | 1.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $759 | $759 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 245 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, IL 53005 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $162 | $30K | 15.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $30 | $30 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 245 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | WYSSTA INSURANCE COMPANY INC | $2K | $0 | $2K | 8.04% |
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY AND ASSOCIATES, LLC | 101 EAST GRAND AVENUE, SUITE 11 PORT WASHINGTON, WI 53072 | METROPOLITAN GENERAL INSURANCE COMPANY | $445 | $0 | $445 | 9.59% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $1.6M |
| Vision | WYSSTA INSURANCE COMPANY INC | 91 | $20K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $198K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $198K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $198K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $1.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.