| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R&R INS SER INC3 | N14W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | HUMANA WISCONSIN HEALTH ORG INS CORP | $5K | — | $5K | 0.54% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC. | N14 W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | DELTA DENTAL OF WISCONSIN | $4K | — | $4K | 6.13% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC. | N14 W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.05% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC. | N14 W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.10% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC. | N14 W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | WYSSTA INSURANCE COMPANY INC. | $664 | — | $664 | 7.97% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES INC. | N14 W23900 STONE RIDGE DR. WAUKESHA, WI 53188 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $638 | — | $638 | 13.26% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA WISCONSIN HEALTH ORG INS CORP | 99 | $1.0M |
| Dental | DELTA DENTAL OF WISCONSIN | 106 | $59K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 100 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $5K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 85 | $29K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.