| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIZIENT INSURANCE SERVICES LLC3 | PO BOX 842167 DALLAS, TX 75284 | HARTFORD LIFE AND ACCIDENT | $44K | $349K | $393K | 4.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | — | $239K | $239K | 2.98% |
| BUCHHOLZ PLANNING CORPORATION3 | P.O. BOX 4134 CLINTON, IA 527334134 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $15K | — | $15K | 5.31% |
| GBS INS AND FINANCIAL SERVICES INC3 Filed as: GBS INSURANCE & FINANCIAL SERVICES | 21820 BURBANK BLVD STE 301 WOODLAND HILLS, CA 913676467 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.53% |
| TIMOTHY W POWERS3 | 1810 CHADSWORTH DR SUN PRAIRIE, WI 535903554 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $520 | — | $520 | 0.19% |
| JEFFREY CARL DOLLARHIDE3 | 17550 N PERIMETER DR STE 450 SCOTTSDALE, AZ 852557841 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $297 | $52 | $349 | 0.12% |
| THOMAS FREDERICK SCHWARTZ3 | 743 BUCKS HILL RD SOUTHBURY, CT 064881986 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $297 | — | $297 | 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 | $185 | — | $185 | 0.07% |
| KEVIN P MULLANE3 | 8814 NELSON XING VERONA, WI 535937926 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $125 | — | $125 | 0.04% |
| 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 | $91 | — | $91 | 0.03% |
| GREGORY A MCROBERTS3 | 900 E 96TH ST STE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6 | $58 | $64 | 0.02% |
| WILLIAM M BUCHHOLZ3 | 120 E LAKESIDE ST STE 260 MADISON, WI 53715 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $36 | — | $36 | 0.01% |
| 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 | 0.01% |
| 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 | $34K | — | $34K | 65.18% |
| MICHAEL C WALKER3 Filed as: MICHAEL J ZIMMERMAN | 11225 COLLEGE BLVD SUITE 105 OVERLAND PARK, KS 66210 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 34.82% |
| BUCHHOLZ PLANNING CORPORATION3 | P.O. BOX 4134 CLINTON, IA 527334134 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $409 | — | $409 | 4.79% |
| 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 | $104 | — | $104 | 1.22% |
| THOMAS FREDERICK SCHWARTZ3 | 743 BUCKS HILL RD SOUTHBURY, CT 064881986 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $43 | — | $43 | 0.50% |
| TIMOTHY W POWERS3 | 1810 CHADSWORTH DR SUN PRAIRIE, WI 535903554 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $26 | — | $26 | 0.30% |
| JEFFREY CARL DOLLARHIDE3 | 17550 N PERIMETER DR STE 450 SCOTTSDALE, AZ 852557841 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $20 | — | $20 | 0.23% |
| RANDALL J LOGAN3 | N TOWER 525 JUNCTION RD STE 1800 MADISON, WI 537172152 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $17 | — | $17 | 0.20% |
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 | 4,066 | 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) | 4,066 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,093 | $8.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,093 | $8.0M |
| Long-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,093 | $8.3M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,093 | $8.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,093 | — |
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.