| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 120 EAST LAKESIDE ST., SUITE 260 MADISON, WI 53715 | HARTFORD LIFE AND ACCIDENT | $563K | $151K | $714K | 9.17% |
| BPC CLIENT SERVICES3 | 120 EAST LAKESIDE ST., SUITE 260 MADISON, WI 53715 | HARTFORD LIFE AND ACCIDENT | — | $259K | $259K | 3.33% |
| BUCHHOLZ PLANNING CORPORATION3 | 120 E LAKESIDE ST STOP 2 MADISON, WI 537152009 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $33K | $3K | $36K | 10.51% |
| TIMOTHY W POWERS3 | 525 JUNCTION RD, STE 8100N MADISON, WI 53717 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $6K | $11K | 3.25% |
| KEVIN P MULLANE3 | 6515 GRAND TETON PLZ, STE 135 MADISON, WI 537191048 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $597 | — | $597 | 0.18% |
| RANDAL R YURCZYK3 Filed as: RANDAL J LOGAN | 525 JUNCTION RD, STE 1800 MADISON, WI 537172152 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $435 | — | $435 | 0.13% |
| 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 | $235 | — | $235 | 0.07% |
| JACK ALLEN NORRIS3 Filed as: JACK R KAPINUS | 525 JUNCTION RD, STE 8100N MADISON, WI 537172152 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $116 | — | $116 | 0.03% |
| WILLIAM M BUCHHOLZ3 | 120 E LAKESIDE ST STOP 2 MADISON, WI 537152009 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $63 | — | $63 | 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 | 3,818 | 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) | 3,818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,818 | $7.8M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,818 | $7.8M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,818 | $8.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 3,818 | $7.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,818 | — |
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."
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.
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.