| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINA BEACH, VA 23466 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $46K | — | $46K | 1.82% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.78% |
| JOHN KAUFMAN3 Filed as: JOHN STUART WOERFEL | 301 N BROADWAY STE 201 DE PERE, CT 06107 | NORTHWESTERN MUTUAL | $2K | $539 | $3K | 5.88% |
| DANTE P PIZZUTI3 | 29 S MAIN ST STE 201 WEAT HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $2K | $539 | $3K | 5.88% |
| PIZZUTI GROUP LLC3 | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $428 | $51 | $479 | 1.05% |
| JACOB A UNDERWOOD3 | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $214 | $77 | $291 | 0.64% |
| FLEISNER GROUP LLC3 | 4620 N BALLARD RD APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $214 | $26 | $240 | 0.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $860 | — | $860 | 10.00% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $836 | $227 | $1K | 19.08% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF WISCONSIN | 307 | $2.5M |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 244 | $9K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 243 | $64K |
| Long-term disability | NORTHWESTERN MUTUAL | 155 | $46K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.