| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUXIANT5 | 2450 RIMROCK RD MADISON, WI 53713 | HCC LIFE INSURANCE COMPANY | $20K | $87K | $108K | 27.74% |
| ROBERTSON RYAN & ASSOCIATES3 | 330 E KILBOURN AVE, STE 650 MILWAUKEE, WI 53202 | HCC LIFE INSURANCE COMPANY | — | $30K | $30K | 7.83% |
| ROBERTSON RYAN & ASSOCIATES3 | 330 E KILBOURN AVE, STE 650 MILWAUKEE, WI 53202 | DELTA DENTAL OF WISCONSIN | $10K | — | $10K | 11.38% |
| ROBERTSON RYAN & ASSOCIATES3 | 330 E KILBOURN AVE, STE 650 MILWAUKEE, WI 53202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| ROBERTSON RYAN & ASSOCIATES3 | 330 E KILBOURN AVE, STE 650 MILWAUKEE, WI 53202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| ROBERTSON RYAN & ASSOCIATES3 | 330 E KILBOURN AVE, STE 650 MILWAUKEE, WI 53202 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | $4K | — | $4K | 10.00% |
| ROBERTSON RYAN & ASSOCIATES3 | 330 E KILBOURN AVE, STE 650 MILWAUKEE, WI 53202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ROBERTSON RYAN & ASSOCIATES3 | 330 E KILBOURN AVE, STE 650 MILWAUKEE, WI 53202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $586 | — | $586 | 14.99% |
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 | 210 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 149 | $388K |
| Dental | DELTA DENTAL OF WISCONSIN | 165 | $88K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | 130 | $37K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $43K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $43K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 62 | $32K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 149 | $388K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.