| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARRON P. RICHTER3 | HAUSMANN-JOHNSON INSURANCE INC 740 REGENT ST #400, P.O. BOX 259408 MADISON, WI 537259408 | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | $32K | — | $32K | 4.80% |
| MARK A DISRUD3 Filed as: MARK A. DISRUD | 3030 YARMOUTH GREENWAY DRIVE FITCHBURG, WI 53711 | HARTFORD LIFE AND ACCIDENT | $10K | $331 | $11K | 10.33% |
| JESSE OBERLOH3 | HAUSMANN-JOHNSON INSURANCE INC. P.O. BOX 259408 MADISON, WI 537259408 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | $613 | — | $613 | 10.01% |
| MARK A DISRUD3 Filed as: MARK A. DISRUD | 3030 YARMOUTH GREENWAY DRIVE FITCHBURG, WI 53711 | SUN LIFE INSURANCE COMPANY OF CANADA | $1K | — | $1K | 79.77% |
| MGIS5 | 10 WEST BROADWAY SUITE 800 SALT LAKE CITY, UT 841012100 | SUN LIFE INSURANCE COMPANY OF CANADA | — | $45 | $45 | 3.23% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | 201 | $675K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | 55 | $6K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 150 | $102K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 150 | $103K |
| Other | HARTFORD LIFE AND ACCIDENT | 150 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.