| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $58K | $58K | 2.00% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 13.74% |
| JOHN KAUFMAN3 Filed as: JOHN STUART WOERFEL | 301 N BROADWAY STE 201 DE PERE, CT 06107 | NORTHWESTERN MUTUAL | $3K | $787 | $4K | 7.21% |
| DANTE P PIZZUTI3 | 29 S MAIN ST STE 201 WEAT HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $1K | $354 | $2K | 3.27% |
| JACOB A UNDERWOOD3 | 301 N BROADWAY STE 201 DE PERE, WI 54115 | NORTHWESTERN MUTUAL | $312 | $112 | $424 | 0.78% |
| FLEISNER GROUP LLC3 | 4620 N BALLARD RD APPLETON, WI 54913 | NORTHWESTERN MUTUAL | $312 | $37 | $349 | 0.64% |
| PIZZUTI GROUP LLC3 | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $284 | $34 | $318 | 0.59% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $1K | — | $1K | 10.00% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 416 | $2.9M |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 321 | $11K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 408 | $70K |
| Long-term disability | NORTHWESTERN MUTUAL | 176 | $54K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 408 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.
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.