| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELISSA WIDUCKI3 | 3648 COUNTY ROAD WEST CRANDON, WI 54520 | AFLAC | $4K | $161 | $4K | 5.99% |
| ALICE MAGUIRE3 Filed as: ALICE MAGUIRE AND OTHER AGENTS | 4512 TWIN PINES LANE WESTON, WI 54476 | AFLAC | $3K | $150 | $3K | 4.38% |
| KRISTIN L ARVIGO3 | 917 WOODLANE AVENUE ROCKFORD, IL 61107 | AFLAC | $1K | $0 | $1K | 1.47% |
| TAMMY MEYERS3 | 1550 TABLE ROCK ROAD GETTYSBURG, PA 17325 | AFLAC | $813 | $33 | $846 | 1.15% |
| BENJAMIN BAKER3 | 5010 VIEW DRIVE RHINELANDEE, WI 54501 | AFLAC | $643 | $20 | $663 | 0.90% |
| BENJAMIN BAKER3 | 5010 ISLE VIEW DRIVE RHINELANDEE, WI 54501 | AFLAC | $643 | $20 | $663 | 0.90% |
| MICHAEL J SKOFF3 | 815 NORTH CHRUCH STREET ROCKFORD, IL 61103 | AFLAC | $357 | $0 | $357 | 0.49% |
| ASSUREDPARTNERS3 Filed as: DIMOND BROS INSURANCE LLC | PO BOX 1090 PARIS, IL 61944 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | $2K | $0 | $2K | 10.07% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 195 | $12K |
| Dental | DELTA DENTAL OF WISCONSIN | 135 | $7K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | 184 | $20K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 195 | $12K |
| Other(2 contracts, 2 carriers) | AFLAC | 195 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.