| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM JOHN COLLINS3 | STE 302 1036 W JUNEAU AVE MILWAUKEE, WI 53233 | NORTHWESTERN MUTUAL | $25K | $6K | $31K | 7.18% |
| RICHARD HUDOCK3 | STE 2300 100 E WISCONSIN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $18K | $5K | $23K | 5.26% |
| THE HOLTER AGENCY INC3 | STE 2300 100 E WISCONSIN AVE MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $10K | $1K | $11K | 2.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 39-0138065 NONE | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $1.8M |
| REINHART BOERNER VAN DEUREN EIN 39-1126909 NONE | Legal Service code 29 | — | $294K |
| CONIFER VALUE BASED CARE EIN 52-1964905 NONE | Consulting (general) Service code 16 | — | $229K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $216K |
| UNITED ACTUARIAL SERVICES, INC EIN 35-2156428 NONE | Actuarial Service code 11 | — | $56K |
| COMBINED CRAFTS EIN 39-1400101 NONE | Accounting (including auditing) Service code 10 | — | $52K |
| ANDCO CONSULTING EIN 59-3676225 NONE | Investment advisory (plan) Service code 27 | — | $22K |
| CHARTER COMMUNICATIONS NONE | Other services Service code 49 | 400 ATLANTIC ST FL 10 STAMFORD, CT 06901 | $12K |
| WELLS PRINT & DIGITAL SERVICES NONE | Other services Service code 49 | 3121 WATFORD WAY MADISON, WI 53713 | $6K |
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 | 3,917 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 574 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 112 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 4,412 | $271K |
| Long-term disability | NORTHWESTERN MUTUAL | 3,810 | $433K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 882 | $1.8M |
| Stop-loss / reinsurancereinsurance | ULLICO | 4,089 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,412 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.