| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENECO3 Filed as: BENECO OF WISC INC | 250 N PATRICK BLVD STE 100 BROOKFIELD, WI 530455876 | HUMANA HEALTH PLAN, INC. | — | $364 | $364 | 0.06% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N. PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.38% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 250 N. PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $948 | $948 | 1.25% |
| BENECO3 Filed as: BENECO OF WISCONSIN | 250 N. PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| BENEFITS INC3 Filed as: BENEFITS, INC. | 250 N. PATRICK BLVD STE 100 BROOKFIELD, WI 53045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $244 | $244 | 1.25% |
| LARRY W GODLEWSKI3 | 7943 WHITE PETAL CT NEENAH, WI 54956 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $342 | — | $342 | 3.25% |
| BENECO3 Filed as: BENECO OF WISC INC | 250 N PATRICK BLVD BROOKFIELD, WI 53045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $339 | — | $339 | 3.23% |
| STERLING WEALTH MANAGEMENT LLC3 | C/O CHARLES JAEGER BROOKFIELD, WI 53045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.53% |
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 | 241 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 172 | $604K |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 230 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $76K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $76K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $76K |
| Stop-loss / reinsurancereinsurance | HUMANA HEALTH PLAN, INC. | 172 | $604K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.