| 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 | 1.15% |
| 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 | $30K | $4K | $34K | 19.12% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 4.61% |
| 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 | $8K | — | $8K | 4.38% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | PO BOX 510187 NEW BERLIN, WI 53151 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 3.32% |
| ACRISURE LLC3 | DBA HNI RISK SERVICES 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.62% |
| JEFFREY A SCHULTZ3 | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | METROPOLITAN LIFE INSURANCE COMPANY | $246 | — | $246 | 0.14% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DR URBANDALE, IA 50323 | VISION SERVICE PLAN | $6K | — | $6K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT | 1166 AVENUE OF THE AMERICAS 23RD FLOOR NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 25.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 317 NW GILMAN BLVD. STE 11 ISSAQUAH, WA 98027 | ZURICH AMERICAN INSURANCE COMPANY | $482 | — | $482 | 10.01% |
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 | 551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 8 | $175K |
| Dental | DELTA DENTAL OF WISCONSIN | 341 | $406K |
| Vision | VISION SERVICE PLAN | 509 | $145K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 525 | $465K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 525 | $644K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 8 | $175K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 551 | $484K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.