| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHONY N GOEBEL3 | 5111A GREEN VALLEY RD OSHKOSH, WI 54904 | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | $32K | — | $32K | 5.05% |
| 5GBENEFITS LLC3 | 131 N ROLLING MEADOWS DR FOND DU LAC, WI 54937 | PREVEA360 HEALTH PLAN | $20K | — | $20K | 5.05% |
| 5GBENEFITS LLC3 | 131 N ROLLING MEADOWS DR FOND DU LAC, WI 54937 | DELTA DENTAL OF WISCONSIN | $3K | — | $3K | 7.68% |
| PAMELA A NOWAK3 Filed as: PAMELA NOWAK | 201 S BARTLETT ST SHAWANO, WI 54166 | AFLAC | $2K | $23 | $2K | 7.15% |
| RANDA SCHINDEL3 | 3051 PROGRESS WAY STE 204 KAUKAUNA, WI 54130 | AFLAC | $847 | — | $847 | 3.65% |
| ANDREW BLANK3 | W7410 EARL LN HORTONVILLE, WI 54944 | AFLAC | $644 | — | $644 | 2.78% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL DESPIRITO | 3051 PROGRESS WAY STE#204 KAUKAUNA, WI 54130 | AFLAC | $328 | $5 | $333 | 1.44% |
| SHANNON A LADING3 Filed as: SHANNON LADING | 738 W 4TH ST APPLETON, WI 54914 | AFLAC | $309 | $5 | $314 | 1.35% |
| JAMIE R LAUENSTEIN3 Filed as: JAMIE LAUENSTEIN | 15 S WALNUT ST MAYVILLE, WI 53050 | AFLAC | $179 | — | $179 | 0.77% |
| 5GBENEFITS LLC3 | 131 N ROLLING MEADOWS DR FOND DU LAC, WI 54937 | WYSSTA INSURANCE COMPANY INC. | $554 | — | $554 | 9.24% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WISCONSIN PHYSICIANS SERVICE INSURANCE CORPORATION | 161 | $1.0M |
| Dental | DELTA DENTAL OF WISCONSIN | 91 | $45K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 75 | $6K |
| Life insurance | AFLAC | 29 | $23K |
| Short-term disability | AFLAC | 29 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.