| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANSAY & ASSOCIATES LLC3 | 702 N HIGH POINT RD STE 201 MADISON, WI 537172283 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $17K | — | $17K | 1.99% |
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY & ASSOCIATES | 2901 W BELTLINE HWY STE 202 MADISON, WI 537130000 | DELTA DENTAL OF WISCONSIN | $2K | — | $2K | 8.45% |
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY & ASSOC LLC | 4351 W COLLEGE AVE APPLETON, WI 549143928 | PRINCIPAL LIFE INSURANCE COMPANY | $714 | — | $714 | 14.06% |
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 | 58 | 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) | 59 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 101 | $855K |
| Dental | DELTA DENTAL OF WISCONSIN | 43 | $27K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 13 | $5K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 13 | $5K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 101 | $855K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 13 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.