| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & R INSURANCE SERVICES INC3 | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $35K | $3K | $38K | 3.02% |
| R & R INSURANCE SERVICES INC3 | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | DELTA DENTAL OF WISCONSIN | $10K | — | $10K | 6.52% |
| R&R INSURANCE SERVICES IN3 | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| R&R INSURANCE SERVICES IN3 | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| R&R INSURANCE SERVICES IN3 | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| R&R INSURANCE SERVICES IN3 | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| R & R INSURANCE SERVICES INC3 | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 8.00% |
| R&R INSURANCE SERVICES IN3 | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| R&R INSURANCE SERVICES IN3 | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| R&R INSURANCE SERVICES IN3 | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $638 | — | $638 | 10.00% |
| R&R INSURANCE SERVICES IN3 | N14 W23900 STONE RIDGE DRIVE WAUKESHA, WI 53188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $660 | — | $660 | 14.83% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 106 | $1.2M |
| Dental | DELTA DENTAL OF WISCONSIN | 130 | $146K |
| Vision | WYSSTA INSURANCE COMPANY INC | 102 | $14K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 174 | $50K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 174 | $23K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 174 | $43K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 174 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.