| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 530056068 | UNITED HEALTHCARE INSURANCE COMPANY | $51K | $10K | $61K | 3.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | PO BOX 1650 MILWAUKEE, WI 532011650 | DELTA DENTAL OF WISCONSIN | $16K | — | $16K | 10.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN | 400 N EXECUTIVE DR BROOKFIED, WI 53005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 10.63% |
| GRANT W GARSON3 | 904 E PEARSON STREET MILWAUKEE, WI 53202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $418 | $2K | 3.73% |
| GARSON FINANCIAL SERVICES S C3 Filed as: GARSON FINANCIAL SERVICES | 904 E PEARSON STREET MILWAUKEE, WI 53202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $272 | $2K | 3.05% |
| STERLING WEALTH MANAGEMENT LLC3 | C/O CHARLES JAEGER BROOKFIELD, WI 53045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $994 | $268 | $1K | 2.18% |
| PATRICK THOMAS FLANAGAN3 | 3048 S WENTWORTH AVE MILWAUKEE, WI 53207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $995 | — | $995 | 1.72% |
| DELORES A MENDELS3 Filed as: DELORES MENDELS | W6325 GOOSE CREEK CIRCLE GREENVILLE, WI 54942 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $700 | $20 | $720 | 1.24% |
| ERIN COLLEEN LANINGA3 | 148 BERTRAM DR YORKVILLE, IL 60560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $464 | $5 | $469 | 0.81% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $24 | $98 | 0.17% |
| TIMOTHY RAY CAUDILL3 | PO BOX 212 PELL LAKE, WI 53157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.15% |
| ENID CHANDLER3 | 4736 W NAPOLEON AVE METARIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.04% |
| MICHAEL BLOCK3 | 14648 ASTON WAY LOCKPORT, IL 60448 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $8 | $14 | 0.02% |
| CHARLES GRIM3 | 777 OAKMEADOW CT GRAYSLAKE, IL 60030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| PARRISH J PEACHEE3 | 201 W 103RD ST INDIANAPOLIS, IN 46290 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $2 | $11 | 0.02% |
| SUSAN FONTANA FLYNN3 | 3301 IAN DRIVE JOHNSON CITY, TN 37604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| DANIEL R DEDRICK3 Filed as: DANIEL DEDRICK | 1899 CYPRESS DRIVE GRAFTON, WI 53024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| GRANT P LUBIN3 Filed as: GRANT LUBIN | 3822 N 102ND STREET WAUWATOSA, WI 53222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| CORY MARK MUCHOW3 | 416 HASKIN DR PARDEEVILLE, WI 53954 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 93033 NETWORK PLACE SUITE 300 CHICAGO, IL 60673 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | $3K | — | $3K | 7.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI INC | PO BOX 1650 MILWAUKEE, WI 53201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $880 | $7K | 17.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI INC | PO BOX 1650 MILWAUKEE, WI 53201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $831 | $4K | 12.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | PO BOX 1650 MILWAUKEE, WI 53201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $568 | $4K | 17.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIS OF WI INC INSURANCE AGENT/BROKER | Insurance agents and brokers Service code 22 | 2323 N MAYFAIRD RD STE 600 MILWAUKEE, WI 53226 | $12K |
| UNITED OF OMAHA LIFE INSURANCE EIN 47-0322111 ADMINISTRATION | Contract Administrator Service code 13 | — | $9K |
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 | 581 | 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) | 581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 581 | $2.0M |
| Dental | DELTA DENTAL OF WISCONSIN | 273 | $155K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | 304 | $38K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 494 | $128K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $23K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 494 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.