| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT ALLIANT LLC | PO BOX 11267 MILWAUKEE, WI 532110267 | HUMANA WISC HEALTH ORGANIZATION INS CORP | $55K | $2K | $57K | 4.40% |
| JAMES W HAMBY3 | 503 FORREST PARK CT HUNTSVILLE, AL 358061810 | HUMANA WISC HEALTH ORGANIZATION INS CORP | $842 | — | $842 | 0.07% |
| HUMANA MARKETPOINT INC3 | 500 W MAIN NCT 28 LOUISVILLE, KY 402022946 | HUMANA WISC HEALTH ORGANIZATION INS CORP | $141 | — | $141 | 0.01% |
| MIDWEST SELECT INSURANCE GROUP LLC3 | PO BOX 207 MOSINEE, WI 544550207 | HUMANA WISC HEALTH ORGANIZATION INS CORP | $55 | — | $55 | 0.00% |
| VIZANCE, INC.3 Filed as: VIZANCE INC | PO BOX 355 HARTLAND, WI 53029 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $543 | $11K | 15.75% |
| VIZANCE, INC.3 Filed as: VIZANCE INC | PO BOX 355 HARTLAND, WI 53029 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $709 | $53 | $762 | 10.75% |
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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA WISC HEALTH ORGANIZATION INS CORP | 85 | $1.3M |
| Vision | HUMANA WISC HEALTH ORGANIZATION INS CORP | 85 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | HUMANA WISC HEALTH ORGANIZATION INS CORP | 160 | $1.3M |
| Other(3 contracts, 2 carriers) | HUMANA WISC HEALTH ORGANIZATION INS CORP | 160 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.