| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIZIENT INSURANCE SERVICES LLC3 | PO BOX 842167 DALLAS, TX 75284 | HARTFORD LIFE AND ACCIDENT | $47K | $283K | $330K | 4.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | — | $197K | $197K | 2.81% |
| BUCHHOLZ PLANNING CORPORATION3 | 120 E LAKESIDE ST STOP 2 MADISON, WI 537152009 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $20K | — | $20K | 6.54% |
| GBS INS AND FINANCIAL SERVICES INC3 Filed as: GBS INSURANCE & FINANCIAL SERVICES | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.51% |
| TIMOTHY W POWERS3 | 222 CENTRAL PARK AVE STE 1100 VIRGINIA BEACH, VA 234623029 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $804 | — | $804 | 0.27% |
| JEFFREY CARL DOLLARHIDE3 | 17550 N PERIMETER DR STE 450 SCOTTSDALE, AZ 852557841 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $566 | $34 | $600 | 0.20% |
| KEVIN P MULLANE3 | 8814 NELSON XING VERONA, WI 535937926 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $365 | — | $365 | 0.12% |
| THOMAS FREDERICK SCHWARTZ3 | 743 BUCKS HILL RD SOUTHBURY, CT 064881986 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $333 | — | $333 | 0.11% |
| RANDAL R YURCZYK3 Filed as: RANDAL J LOGAN | NORTH TOWER 525 JUNCTION RD STE 180 MADISON, WI 537172152 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $206 | — | $206 | 0.07% |
| 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 | $168 | — | $168 | 0.06% |
| WILLIAM M BUCHHOLZ3 | 120 E LAKESIDE ST STE 260 MADISON, WI 53715 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $46 | — | $46 | 0.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M MCGRATH | 2531 LANDMARK DR STE 204 CLEARWATER, FL 33761 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| GREGORY A MCROBERTS3 | 900 E 96TH ST STE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $14 | $14 | 0.00% |
| PHIL E TISUE3 | 1937 CHISWICK RD KNOXVILLE, TN 379228544 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $48K | — | $48K | 64.60% |
| MICHAEL C WALKER3 Filed as: MICHAEL J ZIMMERMAN | 11225 COLLEGE BLVD SUITE 105 OVERLAND PARK, KS 66210 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 35.40% |
| BUCHHOLZ PLANNING CORPORATION3 | 120 E LAKESIDE ST STOP 2 MADISON, WI 537152009 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $468 | — | $468 | 4.39% |
| GBS INS AND FINANCIAL SERVICES INC3 Filed as: GBS INS & FINANCIAL SERVICES INC | 21820 BURBANK BLVD STE 301 WOODLAND HILLS, CA 913676476 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $110 | — | $110 | 1.03% |
| TIMOTHY W POWERS3 | 222 CENTRAL PARK AVE STE 1100 VIRGINIA BEACH, VA 234623029 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $61 | — | $61 | 0.57% |
| RANDALL J LOGAN3 | N TOWER 525 JUNCTION RD STE 1800 MADISON, WI 537172152 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $56 | — | $56 | 0.53% |
| JEFFREY CARL DOLLARHIDE3 | 17550 N PERIMETER DR STE 450 SCOTTSDALE, AZ 852557841 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $46 | — | $46 | 0.43% |
| THOMAS FREDERICK SCHWARTZ3 | 743 BUCKS HILL RD SOUTHBURY, CT 064881986 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $45 | — | $45 | 0.42% |
| 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 | $10 | — | $10 | 0.09% |
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 | 4,020 | 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) | 4,020 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,020 | $7.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,020 | $7.0M |
| Long-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,020 | $7.3M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,020 | $7.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,020 | — |
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.