| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANSAY & ASSOCIATES LLC3 | 101 EAST GRAND AVENUE PORT WASHINGTON, WI 53074 | QBE INSURANCE | $30K | $2K | $32K | 9.26% |
| AUXIANT3 | 2450 RIMROCK ROAD MADISON, WI 53713 | QBE INSURANCE | $15K | — | $15K | 4.33% |
| ANSAY & ASSOCIATES LLC3 | 702 NORTH HIGH POINT ROAD SUITE 201 MADISON, WI 53717 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 7.67% |
| JEFFREY D HOEFNER3 | 3124 LORRABUD LANE SUN PRAIRIE, WI 53590 | AFLAC | $66 | — | $66 | 7.78% |
| NATHANIEL C REWEY3 | 186 WAVERLEY STREET ARLINGTON, MA 02476 | AFLAC | $21 | — | $21 | 2.48% |
| CHRISTOPHER J ZELLNER3 | 918 ALDORA LANE SUITE 105 WAUNAKEE, WI 53597 | AFLAC | $12 | — | $12 | 1.42% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PLACE LOUISVILLE, KY 40245 | AFLAC | $5 | — | $5 | 0.59% |
| JOSHUA J PARISE3 | 7325 JANES AVENUE WOODRIDGE, IL 60517 | AFLAC | $4 | — | $4 | 0.47% |
| DIANA R KRUG3 | PO BOX 381 SUN PRAIRIE, WI 53590 | AFLAC | $2 | — | $2 | 0.24% |
| WILLIAM F MURRAY III3 | 1298 SAINT PATRICK WAY SUN PRAIRIE, WI 53590 | AFLAC | $1 | — | $1 | 0.12% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $55K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $55K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 82 | $345K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.