| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHWARZ INSURANCE AGENCY INC3 Filed as: SCHWARZ INSURANCE AGENCY | 1420 NORTH RIDGE DRIVE PRAIRIE DU SAC, WI 53578 | DEAN HEALTH PLAN | $20K | — | $20K | 1.90% |
| SCHWARZ INSURANCE3 | 1420 N RIDGE DRIVE PRAIRIE DU SAC, WI 53578 | DELTA DENTAL | $4K | — | $4K | 6.20% |
| SCHWARZ INSURANCE3 | 1420 NORTH RIDGE RD PRAIRIE DU SAC, WI 53578 | DEARBORN NATIONAL LIFE INSURANCE | $648 | — | $648 | 14.61% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 1607 N AURORA RD #201 NAPERVILLE, IL 60563 | DEARBORN NATIONAL LIFE INSURANCE | — | $243 | $243 | 5.48% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | 9401 ABERDEEN BLVD BLDG 1 SUITE 100 AUSTIN, TX 78729 | DEARBORN NATIONAL LIFE INSURANCE | — | $84 | $84 | 1.89% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN | 125 | $1.1M |
| Dental | DELTA DENTAL | 89 | $69K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE | 173 | $4K |
| Other | DEARBORN NATIONAL LIFE INSURANCE | 173 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.