| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIZANCE, INC.3 | 1320 WALNUT RIDGE DRIVE SUITE 200 HARTLAND, WI 53029 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 14.00% |
| VIZANCE, INC.3 | 1320 WALNUT RIDGE DRIVE SUITE 200 HARTLAND, WI 53029 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| VIZANCE, INC.3 | 1320 WALNUT RIDGE DRIVE SUITE 200 HARTLAND, WI 53029 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.73% |
| VIZANCE, INC.3 | 1320 WALNUT RIDGE DRIVE SUITE 200 HARTLAND, WI 53029 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| VIZANCE, INC.3 Filed as: VIZANCE BENEFITS LLC | 1320 WALNUT RIDGE DRIVE SUITE 200 HARLAND, WI 53029 | WYSSTA INSURANCE COMPANY INC. | $895 | $0 | $895 | 7.94% |
| VIZANCE, INC.3 | 1320 WALNUT RIDGE DRIVE SUITE 200 HARTLAND, WI 53029 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $904 | $0 | $904 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZIZZLHEALTH EIN 81-2419332 THIRD-PARTY ADMIN (TPA) | Contract Administrator Service code 13 | 313 N. PLANKINTON AVENUE SUITE 214 MILWAUKEE, WI 53203 | $42K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD-PARTY ADMIN (TPA) | Contract Administrator Service code 13 | P.O. BOX 828 STEVENS POINT, WI 54481 | $8K |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC. | 83 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $26K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.