| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 400 N EXECUTIVE DR, STE 300 BROOKFIELD, WI 53005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $114K | — | $114K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 525 MARKET ST, SUITE 3400 SAN FRANCISCO, CA 94105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $68K | — | $68K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 400 N EXECUTIVE DR, STE 300 BROOKFIELD, WI 53005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 11.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 400 N EXECUTIVE DR, STE 300 BROOKFIELD, WI 53005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $463 | $4K | 11.25% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF WISCONSIN INC. | 400 N EXECUTIVE DR, STE 300 BROOKFIELD, WI 53005 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 3.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 400 N EXECUTIVE DR, STE 300 BROOKFIELD, WI 53005 | UNITEDHEALTHCARE INSURANCE COMPANY | $844 | — | $844 | 2.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI, INC. | 122 E COLLEGE AVE STE 201 APPLETON, WI 54911 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.82% |
| SALVADORE R SALVO3 | 4 CAMPUS DR PARSIPPANY, NJ 07054 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $25 | — | $25 | 0.09% |
| PETER H HOOPIS3 | 300 S WACKER DR STE 2000 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| DELTA DENTAL OF WISCONSIN5 | PO BOX 828 STEVENS POINT, WI 54481 | DELTA DENTAL OF WISCONSIN | $16K | — | $16K | — |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 400 N EXECUTIVE DR, STE 300 BROOKFIELD, WI 53005 | DELTA DENTAL OF WISCONSIN | $2K | — | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $296K |
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 | 286 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 351 | $0 |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 629 | $37K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 411 | $132K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 411 | $123K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 306 | $1.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 411 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 629 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.