| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 1350 AVENUE OF THE AMERICAS, FLOOR 18 NEW YORK, NY 10019 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | — | $37K | 11.19% |
| KRAUTER AND COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS, FLOOR 18 NEW YORK, NY 10019 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 15.18% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 100 SUMMIT LAKE DRIVE, SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 4.48% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 1350 AVENUE OF THE AMERICAS, FLOOR 18 NEW YORK, NY 10019 | HARTFORD LIFE AND ACCIDENT | -$25 | — | -$25 | -0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WISCONSIN COLLABORATIVE INSURANCE EIN 47-5569628 ADMINISTRATOR | Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $231K |
| BLUE CROSS BLUE SHIELD OF WISCONSIN EIN 39-0138065 ADMINISTRATOR | Contract Administrator; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $207K |
| KRAUTER & COMPANY LLC BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 1211 AVENUE OF THE AM. NEW YORK, NY 10036 | $79K |
| COMPCARE HEALTH SERVICES INSURANCE EIN 39-1462554 ADMINISTRATOR | Other services; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $57K |
| INGENIORX, INC. EIN 82-3062245 ADMINISTRATOR | Float revenue; Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2K |
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 | 890 | 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) | 893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,731 | $333K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 379 | $71K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,731 | $333K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 149 | $60K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF WISCONSIN | 772 | $536K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,731 | $393K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,731 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.