| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN | 400 N. EXECUTIVE DR STE 300 BROOKFIELD, WI 53005 | UNITED HEALTH CARE INSURANCE COMPANY | $37K | — | $37K | 9.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WI INC | 400 N EXECUTIVE DR SUITE 300 BROOKFIELD, WI 53005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 11.21% |
| SPOTLITE INC3 | 200 E RANDOLPH SUITE 5450 CHICAGO, IL 60601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 7.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | 16220 N SCOTTSDALE RD SUITE 60 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | PO BOX 1650 MILWAUKEE, WI 53201 | NATIONAL GUARDIAN LIFE | $3K | — | $3K | 11.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 330 E COLLEGE AVE STE 201 APPLETON, WI 54912 | FEDERAL INSURANCE COMPANY | $285 | — | $285 | 15.00% |
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 | 1,732 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 53 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,789 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED HEALTH CARE INSURANCE COMPANY | 583 | $413K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTH CARE INSURANCE COMPANY | 583 | $413K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,102 | $232K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,102 | $232K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,732 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,732 | — |
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.