| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFF SCHULTZ3 | ACRISURE LLC PO BOX 510187 NEW BERLIN, WI 53151 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 1.14% |
| ACRISURE LLC3 | HNI RISK SERVICES 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $67K | — | $67K | 17.80% |
| THE ULTIMATE SOFTWARE GROUP3 | ATTN CLIENT ART1005 PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | — | $10K | $10K | 2.74% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP SE | DBA COVALA GROUP 40 WALL ST, STE 1304 NEW YORK, NY 10005 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $5K | $33K | 16.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 3.48% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.58% |
| JEFFREY A SCHULTZ3 | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.21% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | PO BOX 510187 NEW BERLIN, WI 53151 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.89% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | HNI RISK SERVICES 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | METROPOLITAN LIFE INSURANCE COMPANY | $543 | — | $543 | 0.27% |
| SECURA CONSULTANTS LLC3 | 5707 LINDA LN ROCKFORD, MN 55373 | METROPOLITAN LIFE INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DR URBANDALE, IA 50323 | VISION SERVICE PLAN | $6K | — | $6K | 4.00% |
| ACRISURE LLC3 | HNI RISK SERVICES 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $30K | — | $30K | 19.46% |
| THE ULTIMATE SOFTWARE GROUP3 | ATTN CLIENT ART1005 PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 2.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 317 NW GILMAN BLVD. STE 11 ISSAQUAH, WA 98027 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $3K | — | $3K | 30.00% |
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 | 587 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 13 | $310K |
| Dental | DELTA DENTAL OF WISCONSIN | 379 | $468K |
| Vision | VISION SERVICE PLAN | 547 | $158K |
| Life insurance | STANDARD INSURANCE COMPANY | 558 | $376K |
| Long-term disability | STANDARD INSURANCE COMPANY | 519 | $155K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 13 | $310K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 587 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 587 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.