| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 | 800 MAIN STEREET DUBUQUE, IA 52001 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $24K | $0 | $24K | 0.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 2725 S MOORLAND RD NEW BERLIN, WI 53151 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $18K | $0 | $18K | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $36K | $0 | $36K | 11.07% |
| TRICOR, INC3 | 230 W CHERRY ST LANCASTER, WI 53813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $0 | $28K | 8.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 2725 S MOORLAND RD NEW BERLIN, WI 53151 | DELTA DENTAL OF WI | $20K | $0 | $20K | 10.30% |
| TRICOR, INC3 Filed as: TRICOR INSURANCE | 230 W CHERRY ST LANCASTER, WI 53813 | VISION SERVICE PLAN | $865 | $0 | $865 | 2.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 2725 S MOORLAND RD NEW BERLIN, WI 53151 | VISION SERVICE PLAN | $537 | $0 | $537 | 1.80% |
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 | 585 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 638 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 563 | $3.3M |
| Dental | DELTA DENTAL OF WI | 337 | $199K |
| Vision | VISION SERVICE PLAN | 319 | $30K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 585 | $329K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 585 | $329K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 585 | $329K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 563 | $3.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 585 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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."
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.