| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 180 N. STETSON AVE. CHICAGO, IL 60601 | WISCONSIN COLLABORATIVE INSURANCE COMPANY | $951 | — | $951 | 0.04% |
| MCCLONE AGENCY INC3 Filed as: MCCLONE AGENCY, INC. | PO BOX 389 MENASHA, WI 54952 | WISCONSIN COLLABORATIVE INSURANCE COMPANY | $498 | — | $498 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | WISCONSIN COLLABORATIVE INSURANCE COMPANY | $327 | — | $327 | 0.02% |
| MCCLONE AGENCY INC3 Filed as: MCCLONE AGENCY, INC. | 150 MAIN STREET PO BOX 389 MENASHA, WI 54952 | CARE PLUS DENTAL PLANS, INC. | $1K | — | $1K | 3.00% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS | 111 N. WASHINGTON ST. PO BOX 23004 GREEN BAY, WI 54305 | CARE PLUS DENTAL PLANS, INC. | $1K | — | $1K | 3.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 180 N. STETSON AVE. CHICAGO, IL 60601 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $9 | — | $9 | 0.05% |
| MCCLONE AGENCY INC3 Filed as: MCCLONE AGENCY, INC. | PO BOX 389 MENASHA, WI 549520389 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $5 | — | $5 | 0.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $3 | — | $3 | 0.02% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WISCONSIN COLLABORATIVE INSURANCE COMPANY | 362 | $2.1M |
| Dental | CARE PLUS DENTAL PLANS, INC. | 88 | $37K |
| Vision(2 contracts, 2 carriers) | WISCONSIN COLLABORATIVE INSURANCE COMPANY | 409 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.