| 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 | — | $45K | $45K | 1.76% |
| KRAUTER AND COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED HEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN, INC. | PO BOX 1650 MILWUAKEE, WI 53201 | DELTA DENTAL OF WISCONSIN | $11K | — | $11K | 7.13% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 3.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN | 400 N EXECUTIVE DR BROOKFIED, WI 53005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 10.52% |
| GARSON FINANCIAL SERVICES S C3 Filed as: GARSON FINANCIAL SERVICES, SC | 904 E PEARSON STREET MILWAUKEE, WI 53202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 8.41% |
| STERLING WEALTH MANAGEMENT LLC3 | C/O CHARLES JAEGER BROOKFIELD, WI 53045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $871 | $435 | $1K | 2.43% |
| PATRICK THOMAS FLANAGAN3 | 3048 S WENTWORTH AVE MILWAUKEE, WI 53207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $792 | — | $792 | 1.47% |
| DELORES A MENDELS3 Filed as: DELORES MENDELS | W6325 GOOSE CREEK CIRCLE GREENVILLE, WI 54942 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $730 | $19 | $749 | 1.39% |
| ERIN COLLEEN LANINGA3 | 4474 SARASOTA AVE YORKVILLE, IL 60560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $289 | — | $289 | 0.54% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $34 | $138 | 0.26% |
| PARRISH J PEACHEE3 | 201 W 103RD ST INDIANAPOLIS, IN 46290 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $3 | $17 | 0.03% |
| GRANT P LUBIN3 Filed as: GRANT LUBIN | 3822 N 102ND STREET WAUWATOSA, WI 53222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| SUSAN FONTANA FLYNN3 | 8814 EAGLE POINT DRIVE KNOXVILLE, TN 37931 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| DANIEL R DEDRICK3 Filed as: DANIEL DEDRICK | 1899 CYPRESS DRIVE GRAFTON, WI 53024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 93033 NETWORK PLACE SUITE 300 CHICAGO, IL 60673 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 7.76% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $963 | — | $963 | 2.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI INC | PO BOX 1650 MILWAUKEE, WI 53201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $865 | $5K | 12.07% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI INC | PO BOX 1650 MILWAUKEE, WI 53201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $710 | $3K | 8.77% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | PO BOX 1650 MILWAUKEE, WI 53201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $527 | $3K | 11.97% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.15% |
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 | 529 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 567 | $2.5M |
| Dental | DELTA DENTAL OF WISCONSIN | 294 | $155K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 316 | $45K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 529 | $74K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 62 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $25K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 529 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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.