| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 28031 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 7.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 540 W MADISON ST, STE 1200 CHICAGO, IL 60661 | DELTA DENTAL OF WI | $5K | $0 | $5K | 5.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 28031 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 7.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 28031 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 11.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 28031 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 23.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 540 MADISON ST, STE 1200 CHICAGO, IL 60661 | WYSSTA INSURANCE COMPANY INC | $2K | $0 | $2K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 540 W MADISON ST., STE. 1200 CHICAGO, IL 60661 | DELTA DENTAL OF WI | $2K | $0 | $2K | 7.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 540 W MADISON ST., STE. 1200 CHICAGO, IL 60661 | WYSSTA INSURANCE COMPANY INC | $311 | $0 | $311 | 89.88% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF WI | 186 | $117K |
| Vision(2 contracts) | WYSSTA INSURANCE COMPANY INC | 167 | $22K |
| Life insurance | STANDARD INSURANCE COMPANY | 357 | $97K |
| Short-term disability | STANDARD INSURANCE COMPANY | 241 | $72K |
| Long-term disability | STANDARD INSURANCE COMPANY | 242 | $53K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 357 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.