| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $53K | $53K | 3.09% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | AMERICAN UNITED LIFE INSURANCE COMPANY | $29K | $0 | $29K | 19.99% |
| 5G BENEFITS LLC3 | 131 NORTH ROLLING MEADOWS DRIVE FOND DU LAC, WI 54937 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| MEGAN R SILVERMAN3 Filed as: MEGAN SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2 | $2 | $4 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | DELTA DENTAL OF WISCONSIN | $11K | $0 | $11K | 11.77% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $11K | $2K | $13K | 21.55% |
| MEGAN R SILVERMAN3 Filed as: MEGAN R. SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNUM INSURANCE COMPANY | $2K | $193 | $2K | 3.47% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 2.88% |
| 5G BENEFITS LLC3 Filed as: 5G BENEFITS, LLC | 131 NORTH ROLLING MEADOWS DRIVE FOND DU LAC, WI 54937 | UNUM INSURANCE COMPANY | $801 | $32 | $833 | 1.40% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | WYSSTA INSURANCE COMPANY INC | $2K | $0 | $2K | 10.13% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $1.7M |
| Dental | DELTA DENTAL OF WISCONSIN | 162 | $95K |
| Vision | WYSSTA INSURANCE COMPANY INC | 141 | $17K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 175 | $143K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 175 | $143K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 175 | $143K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $1.7M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 175 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.