| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUXIANT5 | 2450 RIMROCK RD MADISON, WI 53713 | GERBER LIFE INSURANCE | $18K | $105K | $122K | 40.12% |
| ROBERTSON RYAN & ASSOCIATES3 | 330 E KILBOURN AVE, STE 650 MILWAUKEE, WI 53202 | GERBER LIFE INSURANCE | $36K | $5K | $41K | 13.51% |
| ROBERTSON RYAN & ASSOCIATES3 | 330 E KILBOURN AVE, STE 650 MILWAUKEE, WI 53202 | DELTA DENTAL OF WISCONSIN | $16K | — | $16K | 11.76% |
| ROBERTSON RYAN & ASSOCIATES3 | 330 E KILBOURN AVE, STE 650 MILWAUKEE, WI 53202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $1K | $11K | 17.15% |
| ROBERTSON RYAN & ASSOCIATES3 | 330 E KILBOURN AVE, STE 650 MILWAUKEE, WI 53202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $827 | $7K | 17.07% |
| ROBERTSON RYAN & ASSOCIATES3 | 330 E KILBOURN AVE, STE 650 MILWAUKEE, WI 53202 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | $4K | — | $4K | 10.91% |
| ROBERTSON RYAN & ASSOCIATES3 | 330 E KILBOURN AVE, STE 650 MILWAUKEE, WI 53202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $723 | $6K | 17.06% |
| ROBERTSON RYAN & ASSOCIATES3 | 330 E KILBOURN AVE, STE 650 MILWAUKEE, WI 53202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $721 | $106 | $827 | 17.21% |
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 | 333 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER LIFE INSURANCE | 198 | $305K |
| Dental | DELTA DENTAL OF WISCONSIN | 218 | $136K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | 358 | $38K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 270 | $45K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 348 | $67K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 88 | $35K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE | 198 | $305K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 270 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.