| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD 100 BROOKFIELD, WI 53045 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 4.54% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD #100 BROOKFIELD, WI 53045 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.04% |
| DIRECTPATH, LLC3 Filed as: DIRECT PATH LLC | 120 18TH STREET 102 BIRMINGHAM, AL 35233 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 14.81% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD 100 BROOKFIELD, WI 53045 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $82 | $4K | 3.84% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD 100 BROOKFIELD, WI 53045 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 4.85% |
| DIRECTPATH, LLC3 Filed as: DIRECT PATH LLC | 120 18TH STREET 102 BIRMINGHAM, AL 35233 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 14.33% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD 100 BROOKFIELD, WI 53045 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $44 | $2K | 3.86% |
| BENECO3 Filed as: BENECO OF WISCONSIN INC | 250 N PATRICK BLVD 100 BROOKFIELD, WI 53045 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $588 | $588 | 2.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RIGHT CHOICE MANAGED CARE INC EIN 47-0851593 CLAIMS PROCESSING | Claims processing Service code 12 | 1831 CHESTNUT ST ST LOUIS, MO 63103 | $289K |
| PREFERRED HEALTH CHOICES EIN 90-0139311 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 5003 DUBUQUE, IA 52002 | $70K |
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 CLAIMS PROCESSING | Claims processing Service code 12 | 2601 WEST BELTLINE HIGHWAY MADISON, WI 53713 | $55K |
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 | 1,205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RIGHTCHOICE | 900 | $336K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,242 | $270K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 834 | $166K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,242 | $142K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INS CO OF PITTSBURGH | 803 | $588K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 834 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,242 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.