| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCHHOLZ PLANNING CORPORATION3 Filed as: BUCHHOLZ PLANNING CORP | 7818 BIG SKY DRIVE, SUITE 112 MADISON, WI 53719 | HARTFORD LIFE AND ACCIDENT | $390K | $134K | $524K | 7.81% |
| BPC CLIENT SERVICES3 | 7818 BIG SKY DRIVE, SUITE 112 MADISON, WI 53719 | HARTFORD LIFE AND ACCIDENT | — | $199K | $199K | 2.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO. | 7818 BIG SKY DRIVE, SUITE 112 MADISON, WI 53719 | HARTFORD LIFE AND ACCIDENT | $131K | — | $131K | 1.96% |
| BUCHHOLZ PLANNING CORPORATION3 | 7818 BIG SKY DRIVE MADISON, WI 537194983 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $32K | $15K | $47K | 15.08% |
| TIMOTHY W POWERS3 | 525 JUNCTION RD, STE 8100N MADISON, WI 53717 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $8K | $13K | 4.18% |
| KEVIN P MULLANE3 | 6515 GRAND TETON PLZ, STE 135 MADISON, WI 537191048 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.32% |
| RANDAL R YURCZYK3 Filed as: RANDAL J LOGAN | 525 JUNCTION RD, STE 1800 MADISON, WI 537172152 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $377 | — | $377 | 0.12% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT C BURNHAM | 1629 N GOLF GLN, UNIT F MADISON, WI 537047075 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $187 | — | $187 | 0.06% |
| JACK ALLEN NORRIS3 Filed as: JACK R KAPINUS | 525 JUNCTION RD, STE 8100N MADISON, WI 537172152 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $137 | — | $137 | 0.04% |
| WILLIAM M BUCHHOLZ3 | 7818 BIG SKY DR, STE 112 MADISON, WI 537194983 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $66 | — | $66 | 0.02% |
| BUCHHOLZ PLANNING CORPORATION3 | 7818 BIG SKY DRIVE MADISON, WI 537194983 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $857 | $448 | $1K | 13.67% |
| TIMOTHY W POWERS3 | 525 JUNCTION RD, STE 8100N MADISON, WI 53717 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $145 | $230 | $375 | 3.93% |
| RANDAL R YURCZYK3 Filed as: RANDAL J LOGAN | 525 JUNCTION RD, STE 1800N MADISON, WI 537172152 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $67 | — | $67 | 0.70% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT C BURNHAM | 1629 N GOLF GLN, UNIT F MADISON, WI 537047075 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| BUCHHOLZ PLANNING CORPORATION3 | 7818 BIG SKY DRIVE MADISON, WI 537194983 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $470 | $174 | $644 | 10.89% |
| TIMOTHY W POWERS3 | 525 JUNCTION RD, STE 8100N MADISON, WI 53717 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $100 | $88 | $188 | 3.18% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT C BURNHAM | 1629 N GOLF GLN, UNIT F MADISON, WI 537047075 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7 | — | $7 | 0.12% |
| WILLIAM M BUCHHOLZ3 | 7818 BIG SKY DR, STE 112 MADISON, WI 537194983 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| RANDAL R YURCZYK3 Filed as: RANDAL J LOGAN | 525 JUNCTION RD, STE 1800N MADISON, WI 537172152 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 3,747 | 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) | 3,747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,747 | $6.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,747 | $6.7M |
| Long-term disability(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,747 | $7.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 3,747 | $6.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,747 | — |
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.
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.