| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD STE 202 WAUKESHA, WI 531882491 | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | — | $47K | 9.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3635 RIVERSIDE PLAZA DRIVE RIVERSIDE, CA 92506 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $17K | $17K | 3.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 530056005 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 400 N. EXECUTIVE DR STE 400 BROOKFIELD, WI 530056029 | UNITEDHEALTHCARE INSURANCE COMPANY | $21 | — | $21 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD #14A CHICAGO, IL 53201 | RELIASTAR LIFE INSURANCE COMPANY | $20K | $17K | $37K | 10.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD STE 202 BROOKFIELD, WI 530056029 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 11.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 530056005 | UNITEDHEALTHCARE INSURANCE COMPANY | $877 | — | $877 | 0.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISONCONSIN INC | 400 N EXECUTIVE DR STE 400 BROOKFIELD, WI 530056029 | UNITEDHEALTHCARE INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 330 W COLLEGE AVENUE FLOOR 2 APPLETON, WI 54911 | 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 | 1,481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 804 | $507K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 750 | $90K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,017 | $360K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,017 | $360K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 808 | $1.0M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,017 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,017 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.